Vauxhall Vivaro Finance

Vauxhall Vivaro finance is a commercial funding agreement used to acquire one of Britain's default mid-size panel vans. Businesses can spread the cost through hire purchase or finance lease, preserving cash flow while securing a highly reliable, high-residual-value asset. Because it holds its value exceptionally well, lenders view it as a low-risk asset, which often translates to highly competitive rates.

The Vauxhall Vivaro has been a fixture of the British working day for decades. Tradespeople, couriers, and fleet operators keep coming back to it because it does the important things well. It is easy to drive, it carries a proper load, and it holds its value. Built in Britain at Luton, it remains one of the default choices in the mid-size van market, and one of the most straightforward vans to finance.

We arrange Vivaro finance for limited companies and sole traders across the UK, new and used, diesel and electric. Here is what you need to know.

The Vauxhall Vivaro Range

The Vivaro is a mid-size panel van that sits in the most popular part of the commercial vehicle market. It comes in two lengths, L1 and L2, both easy to manoeuvre around town while still swallowing a Euro pallet with room to spare. There is a crew cab version for businesses that need to carry a team as well as their kit.

Under the bonnet there is a choice of diesel or electric. The diesel models use a 1.5 or 2.0-litre Turbo D engine with outputs from around 120 to 180bhp, paired with a manual or automatic gearbox. For businesses looking to cut running costs or work within clean air zones, the Vivaro Electric is one of the most established electric vans on the market.

Whichever version suits your business, we can arrange the finance.

The Vauxhall Vivaro Electric

The Vivaro Electric has been a strong seller since Vauxhall was quicker to market with electric vans than most of its rivals. It comes with a choice of a 50kWh or 75kWh battery, the larger of which gives an official range of up to around 215 miles. The batteries sit under the floor, so the load space is the same as the diesel version. Nothing is sacrificed to go electric.

For businesses, the electric version has a few things worth knowing. It qualifies for the government's plug-in van grant, which comes off the purchase price. It comes with an eight year battery warranty. And as an electric commercial vehicle, it carries the same tax advantages we cover on our electric van finance page, which for a limited company can be significant. As always, your accountant will confirm what applies to your business.

There is also a passenger version, the Vivaro Life, available as a six or nine seater, which works well for taxi, shuttle, and private hire operators. We can finance that too.

Used Vauxhall Vivaro Finance

The used Vivaro market is large and active, which makes it a sensible place to find value.

Vauxhall commercial vehicles have historically held strong residual values, and the Vivaro is no exception. Independent forecasts have put the three year retained value at around 42 per cent, which is better than several rivals. That matters for finance because strong residuals keep the loan-to-value position healthy through the term, which makes used Vivaro finance straightforward to arrange.

A van that is one to three years old has taken the sharpest part of its depreciation but still has plenty of working life left. That window often represents the best value. Older examples finance well too. Many of the lenders we work with will finance a Vivaro that is already up to ten years old, provided the vehicle has been well looked after with sensible mileage and a complete service history.

Visit our used van finance page for more detail on how age and mileage affect lender decisions.

Finance Products Available

Hire Purchase

The most common product for Vivaro finance. You pay a deposit, spread the balance over an agreed term of typically 24 to 60 months, and own the van outright at the end. Predictable monthly payments, a clean capital allowance position, and no end-of-term complications. For most businesses, it is the simplest route.

Finance Lease

Available with some lenders. Monthly rentals over the term with the van sold to a third party at the end, and the option of a balloon payment to reduce monthly costs. Worth considering if keeping the monthly payment down is the priority.

For a full explanation of both products, visit our hire purchase vs finance lease page.

Finance for New and Start-Up Businesses

New limited companies, recently incorporated businesses, and start-ups under two years old are all welcome to apply.

The Vivaro is a common first van for a growing business, and we place finance for new businesses regularly. Without a lengthy trading history, lenders assess the application on the director's personal credit history, and a deposit is usually required. A clean personal profile on a sensibly priced van is often enough to get an approval even for a business that has only just started trading.

Visit our new business van finance page for more detail on what lenders look for with start-up and early-stage businesses.

Vauxhall Vivaro Finance with Bad Credit

A difficult credit history does not prevent you from financing a Vivaro.

As one of the most familiar and easily resold vans on the market, the Vivaro is a straightforward asset for a lender to consider, even when the credit profile is not clean. Specialist lenders who look at the full picture rather than an automated score are more likely to consider an adverse credit application on a mainstream van like this. A larger deposit and strong recent trading both improve the options.

Visit our bad credit van finance page for more information on how we handle adverse credit applications.

Get Pre-Approved Before You Go Shopping

A growing number of businesses come to us for pre-approval before they start looking at vans. It means you know exactly what you can borrow and at what rate, so you can negotiate the best price with any reputable dealer and move quickly when you find the right vehicle. Good used vans sell fast, and being ready to proceed puts you in a much stronger position than a buyer still sorting out their finance.

Who Can Apply

Limited companies can typically borrow from £10,000. Most new and quality used Vivaros sit comfortably within mainstream lending parameters.

Sole trader finance is available from £25,000 on unregulated credit agreements.

If you are not sure whether your business or the Vivaro you are looking at qualifies, the quickest thing to do is ask. We will give you a straight answer before anything is submitted.