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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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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

Follow the simple 3 step process to finance your business today.

Once you have completed the first step, we will arrange a call to answer any more detailed questions you may have and move quickly through steps two and three to get your financial requirements 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 Funded

    Congratulations! Now you’ve been approved, you can acquire the assets you require to grow.

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Tell us what you need to finance and we’ll tell you what’s possible across a panel of trusted UK lenders and used van providers.

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Frequently asked questions

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.

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