Finance from IN-SYNC Credit Services

Self-employed van finance you can actually afford

✓ Looks at more than just your credit rating
✓ You own the van at the end of the term
✓ Affordable monthly payments
✓ Choose from thousands of new and used vans

services > self-employed van finance

Tired of getting turned down for credit?

If you’re self-employed, getting credit is tough. Lenders just look at your credit score and ask for years of earnings records before they’ll even consider you.

We don't think it's fair. We introduced self-employed van finance to help you get into the van you want, with repayments you can actually afford.

Vehicle Finance Calculator

Find out how much you could borrow

How does self-employed van financing work?


Choose your van

Select your van from our range of available stock or source your own

Make your application

Make your finance application and submit it to our in-house team of underwriters.

Take delivery

Once you’ve e-signed your paperwork and insured your van it’s all yours!

Why choose IN-SYNC?

Low weekly payments

Payments from just £83* per week for a brand new van that you'll own at the end of the term.

Made for couriers

This package has been put together specifically for Couriers. You won't get a better deal anywhere else!

New & Used Vans available

We have a nationwide partner network with access to new and used vans depending on your needs. We can help you to find something affordable. 

James bought the van of his dreams

James found getting credit really difficult as a self-employed driver, so he had always rented. 

We helped him get a new van with payments of just £180 per week, saving him £2,400 per year. 

Meet our happy customers

See our case study of 3 happy self-employed customers who have used our credit services to help them with their finances and getting a van

Speak to us today about upgrading your van

If you drive for more than one company then please enter all of them.

FAQs: Self-Employed Van Finance

Yes. You're entitled to claim tax relief on the new van you buy with IN-SYNC Credit Services. 

Our partner, IN-SYNC Tax, can help you claim the cost of your van as an extra expense on your end-of-year Self Assessment. 

Put simply, that means you'll be able to reduce your tax bill with HMRC because you'll be able to offset the cost of the van against your total income. 

If you aren't able to keep up with your regular payments, then you'll need to contact us so we can talk about your circumstances with you and assess your affordability. 

If you're struggling to keep up with your repayments, please give us a call on 01252 702 270 so we can understand your situation better and assess your affordability. 

The amount you can borrow will depend on a few things. We'll look at your gross weekly income, your VAT rebates and the total value of the van you choose. 

All of our quotations are personalised and based on your own circumstances. 

We look at a range of factors when we're assessing your application. However, there are certain situations that mean we won't be able to accept you. 

For example, if you've been made bankrupt in the last 6 years, then, unfortunately, we wouldn't be able to accept you for our self-employed van finance. 

Absolutely! If you want to part exchange an old van, we'll absolutely consider it. 

As part of our terms of sale, you'll be fully responsible for taking on all of the costs that come with the van.

This includes: 

  • Insuring the van for business use
  • Carrying out regular servicing
  • Getting the right road tax
  • Making sure the van is kept in good working condition

Before you'll be able to take the van away, you'll need to provide evidence that the van is insured.

You won't own the van until you've paid off your last instalment with us. 

As soon as you've settled your agreement, we'll transfer ownership over to you. 

All finance is subject to status and income. Due to insurance requirements, applicants who are self-employed drivers/couriers must be 21 years or over, those working in other trades must be 18 years or over, T&Cs apply. Guarantees and indemnities may be required. IN-SYNC Credit Services Ltd is a direct lender and not a broker.

Representative Example:3 year Conditional Sale Agreement (With Balloon) – based upon a Renault TRAFIC. Borrowing £18,542.60 over 3 years with a representative APR of 34.1%, an annual interest rate of 16.9% (fixed) and a deposit of £0.00, the amount payable would be £98.37 per week*, with a total cost of credit of £9,413.85 (including a £75 admin fee and GAP insurance) and a total amount payable of £27,956.45 *This includes VAT recovery of £8,821.11 towards the total amount payable. This includes a balloon payment of £3,888.00 added to the final instalment. This excludes additional maintenance plan from Autoserve Ltd of £19.18 per week.