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Van Age & Mileage Criteria

How lenders judge a used van’s age and mileage.

A plain-English explainer of how lenders judge a used van’s age and mileage, and what you can do to widen your options.

This is the page to read before you choose a van.

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Subject to status and eligibility. Van Finance Limited is a credit broker, not a lender.

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Van Age & Mileage Criteria for UK limited companies

The two age rules

Most lenders apply a maximum age at the start of the agreement and a maximum age at the end. The end-of-term cap is the one that limits the term you can take on an older van, if a lender won’t fund a van past, say, 12 years old, a 10-year-old van can only go to a 24-month term.

Mileage caps and condition

Some lenders set hard mileage limits; others weigh mileage against the model’s durability and the service history. Documented, maintained miles count for far more than an unknown history.

How to widen your options

  • Pick a van with full history and an MOT.
  • Be ready with a deposit on older or higher-mileage stock.
  • Consider a durable model for high-mileage needs.
  • Let us match you rather than applying blindly.

We’ll Help You Every Step of the Way

Start the simple 3 step process to finance your van today.

Once you have completed the first step, we will arrange a call to answer any questions you may have and move quickly through steps two and three to get your vehicle successfully approved.

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  1. 01

    Complete the Form

    Complete the simple form below and apply online for the amount you need to grow your business

  2. 02

    Receive Fast Approval

    We will process your application and aim to get you approved for your desired amount in 24 – 48 hours

  3. 03

    Get Financed

    Congratulations! Now you’ve been approved for financing, you can acquire the vans you need to grow.

FCA-regulated credit broking Credit broker, not a lender Whole-of-panel lenders Limited-company specialists

FAQs

Straight answers to the questions we hear most, on eligibility, credit checks and how the process works.

What age is “too old” for van finance?
There’s no single answer. It depends on the lender’s end-of-term age cap. We match your van to lenders whose caps it fits.
Does mileage or age matter more?
Both, but condition and history can outweigh raw numbers. A well-kept high-miler often beats a neglected low-miler.

Still have questions?

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Helpful guides

Plain-English guides on van finance, VAT and tax, written for UK limited companies.

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