Finance from IN-SYNC Credit Services

Self-employed van finance you can actually afford

✓ Looks at more than just your credit rating
✓ Flexible and affordable payment options
✓ Purchase, Leasing and Short term rental available
✓ 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 (purchase only)

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. If you want to own your vehicle we offer a conditional sale payment option. If you are looking to lease your vehicle we offer competitive lease deals and if your need is more short term we can offer short-term rental options. We really do have all eventualities covered for you!

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

Choose your payment option, Purchase, Lease or Short-term rental.

Take delivery

Take delivery

We will arrange delivery to a place of your choosing within the UK, usually within 48 hours


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.

We understand your needs and have a number of finance options available to you, all at competitive prices 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

Hire Purchase vs. Leasing

The main difference between Hire Purchase (HP) and Leasing is in regard to ownership. With the former (HP), monthly payments and an optional purchase fee can be paid, at which point you will own the vehicle. With the latter (Leasing), you’ll only be paying for the depreciation of the vehicle over the course of your contract and at the end you won’t be able to own it.

  • Pay an initial payment and weekly payments which will cover the entire value of the vehicle.
  • Once all hire purchase payments (including the option to purchase fee) have been made, you will automatically own the vehicle.
  • No mileage cap is placed on a hire purchase deal, though weekly payments are likely to be more as you pay off the entire vehicle.
  • A hire purchase agreement is subject to a credit check from the lender, although the credit score doesn’t need to be as good as with a traditional bank loan.
  • APR (Annual Percentage Rate) means interest on a hire purchase option is representative, which can mean higher weekly payments for those with poor credit.
  • Pay an initial rental and weekly rental payments which cover the depreciation of the vehicle over the duration of your agreement.

  • At the end of the lease deal you hand back the keys and walk away or take out another agreement on a new vehicle.

  • You will be asked to decide how many miles you want to drive each year which you will need to stick to in order to avoid excess mileage charges.
  • Leasing is subject to a credit check from the finance provider, with a good credit score needed.
  • VAT is usually charged at a flat rate of 20% for all new lease vehicles, so you won’t pay more than the monthly price advertised, provided the vehicle is in good condition and hasn’t gone over the agreed mileage.

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 if you have chosen to purchase your vehicle (and not lease or rent it). 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. 

If you choose to purchase a vehicle from us 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 and conditions, 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.

Where you select the purchase option you will own the van once you've paid off your last instalment with us. 

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

If you are leasing or renting a vehicle from us you will have no right of ownership over that van.

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.