Frequently Asked Questions

Contract hire is the most popular way to lease a van for business use. You pay fixed monthly rentals over an agreed period (typically 24 to 48 months) with an initial rental upfront. At the end of the contract, you simply hand the van back. There's no depreciation risk, and VAT-registered businesses can reclaim up to 100% of the VAT on rentals.

With contract hire, you hand the van back at the end of the term. With a finance lease, you have more flexibility at the end. You can arrange for the van to be sold (and receive a share of the proceeds), re-finance the balloon payment, or continue renting at a reduced rate. Finance lease also allows 100% VAT recovery on all rentals, making it the most tax-efficient option.

For contract hire and finance lease, the initial rental is typically 3, 6, or 9 months' worth of the monthly payment upfront. For hire purchase, a deposit of 10 to 20% of the vehicle value is usual. Outright purchase requires the full amount upfront. We can tailor the initial payment to suit your cash flow.

Early termination is possible but may involve settlement charges depending on your finance type and how far through the contract you are. Speak to our team and we can advise on your specific situation and options.

Yes. We work with a wide panel of lenders, so we can often find finance solutions for all credit profiles. Get in touch and we will do our best to help, regardless of your credit history.

With contract hire, you return the van and can upgrade to a new one. With finance lease, you have options including selling, re-financing, or continuing at a reduced rate. With hire purchase, you own the van outright once the final payment is made.

No. VAT-registered limited companies get the most tax benefit from contract hire and finance lease because VAT on rentals is reclaimable, but limited companies that aren't VAT-registered can lease too. In some cases hire purchase or outright purchase is a better fit for non-VAT operators. We'll walk through the numbers with you before you commit to one route.

Yes. On factory orders you can spec any factory-available options (metallic paint, parking sensors, air con, sat nav, upgraded seats). Aftermarket work like racking, ply-lining, livery, tow bars and roof racks we arrange through our approved fitters before delivery. Everything bundles into one deal and arrives complete.

In-stock vehicles can typically be delivered within 7 to 14 days of finance approval. Factory orders usually take 8 to 16 weeks depending on the manufacturer and specification. We will confirm lead times upfront and keep you updated throughout the build and delivery process.

Yes. We offer free delivery anywhere in the UK mainland on all van deals. Your new van will be delivered directly to your home or business address.

Absolutely. We can help you spec your van with additional options, accessories, and modifications. From ply lining and racking to livery and specialist conversions, we can arrange it all before delivery.

Yes. We deliver free anywhere in mainland UK, and we can arrange delivery to Northern Ireland, the Channel Islands and the Isle of Man at cost. Delivery is handled by trusted transport partners or our own driver, depending on distance.

A driver or transporter arrives with the van, paperwork, keys and any accessories. You'll sign a delivery note confirming the van's condition, walk around it with the driver to note any marks or concerns, and we'll do any final registration or finance paperwork then. You can track your delivery via the /track page using the deal code we send you once the order is placed.

For factory-new vans you generally won't see the specific van before delivery, since it's built to order. For stock vans we can send photos, a video walkaround, or arrange a visit to where the vehicle is held. Either way, if there's anything not quite right on delivery day, we sort it.

Yes. All our lease deals are for brand-new vehicles supplied directly from the manufacturer with full factory warranty and breakdown cover.

We have partnerships with all major commercial vehicle manufacturers including Ford, Mercedes-Benz, Volkswagen, Vauxhall, Renault, Citroën, Peugeot, Fiat, Toyota, Nissan, Mitsubishi, Isuzu, and Maxus.

Yes. We have a growing range of electric van deals available. Electric vans can save your business up to 70% on fuel costs and offer significant tax advantages. Visit our electric vans page for current deals and a full guide to going electric.

Yes. We offer lease deals on all popular pickup trucks including the Ford Ranger, Mitsubishi L200, Isuzu D-Max, and Toyota Hilux. Pickup trucks are available on all finance types.

Yes. We supply rigid lorries from 7.5 tonne up to 26 tonne across box, curtain-side, dropside and tipper configurations, plus class 1 articulated tractor units. Both new and used, on contract hire, finance lease, hire purchase or outright. See the rigid lorries and articulated lorries pages under Fleet Management for more detail.

Yes. Chassis cab vans and light rigids can be supplied with tippers, dropsides, Luton boxes, refrigerated bodies, welfare shells, traffic management fit-outs, tail lifts and more, built by approved conversion partners before delivery. See the van conversions and chassis builder vans pages for specifics.

Yes. We accept part exchanges on all deals. We will value your current vehicle and offset it against your new deal to reduce your initial outlay or monthly payments.

Yes, in most cases. We can settle your existing finance as part of the part exchange process. Our team will handle all the paperwork and settlement with your current lender.

Yes, we supply and sell used vans alongside new. Used stock is drawn from ex-fleet, ex-demo and trade-in vehicles, all HPI checked before sale. Ask us for current stock or tell us the exact spec and we can find it for you.

Insurance is not included in our standard lease deals. You will need to arrange your own fully comprehensive commercial vehicle insurance. We can recommend specialist providers if needed.

On contract hire deals, optional maintenance packages are available that cover all scheduled servicing, tyres, and breakdown recovery. For other finance types, you are responsible for maintaining the vehicle in line with the manufacturer's service schedule.

Manufacturer warranty usually includes 12 months of roadside assistance on new vans. Beyond that, breakdown cover is optional and can be added through our finance partners or independently. We recommend keeping cover in place for commercial vehicles where downtime directly costs the business.

For the first 12 months of a new van, call the manufacturer's roadside assistance number (in the glovebox paperwork). From month 13 onwards it depends on the policy you've taken out. On contract hire with R&M, our maintenance partner handles it. On hire purchase or outright, it's whoever you set up breakdown cover with. We recommend writing the right number on a sticker and leaving it on the dash.

Most modern diesel vans on low-mileage work follow a 12-month or 18,000-mile schedule, whichever comes first. High-mileage couriers and fleet operators often land on a 10,000-mile cycle. Service intervals are set by the manufacturer and flagged on the dashboard. If you have a maintenance package bundled with contract hire, the provider will often ring you to book the service. Otherwise the responsibility is yours.

We start with a soft credit check which does not affect your credit score. If the deal progresses and a lender needs a full application, they'll run a hard check at that point. We always tell you before a hard check happens. No surprise searches appearing on your file.

Straightforward applications often approve within a few hours. If the lender needs business accounts, management figures or additional ID, allow 2 to 5 working days. If it's taking longer than that, we'll tell you why and what the lender needs to get it moving.

Yes. We work with UK limited companies and larger partnerships, which qualify as unregulated customers under FCA rules. Established companies usually need 12 to 24 months of filed accounts. Newer companies can still apply, but the initial rental may be higher to offset the limited trading history. An FCA-authorised finance broker handles the application end to end. We cannot introduce sole traders, individuals or small partnerships to a broker or lender.

Often yes for UK limited companies and larger partnerships, but not always. We work with a panel of lenders including some that specialise in adverse credit. A higher initial rental, a shorter term and occasionally a personal guarantee can open doors that vanilla contract hire wouldn't. We'll run a soft check first and tell you honestly whether it's going to be a struggle before anyone formally applies.