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
Deals of the month

Great deals on used and nearly new vans in stock and ready to be delivered to you

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
£
£

The most flexible and affordable self-employed van finance offer we’ve ever had!

IN-SYNC finance options

We’ll structure your agreement to suit your needs based on your circumstances and the type of van you’re after. We offer both a conditional sale and conditional sale with balloon options.

How it works

Choose your van

Choose your van

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

Make your application

Make your application

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

Take delivery

Take delivery

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

Why IN-SYNC?

Getting credit can be tough, especially if you’re self-employed. As a Group, we’ve worked with more than 55,000 self-employed people and we realised something needed to change.

That’s why we introduced self-employed van financing that’s affordable as well as flexible.

With new van prices starting from just £137 per week, and fast delivery, you could be on the road in no time.

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 £21,500.00 over 3 years with a representative APR of 31.4%, an annual interest rate of 15.5% (fixed) and a deposit of £0.00, the amount payable would be £169.01 per week*, with a total cost of credit of £13,116 (including a £75 admin fee, Tracker fee and GAP insurance) and a total amount payable of £39,546.00. *This includes VAT recovery of £9,700.00 towards the total amount payable. This includes a balloon payment of £3,500.00 added to the final instalment. This excludes additional maintenance plan from Autoserve Ltd of £19.18 per week.