What our customers say:
"This is the second van I have bought from Van-Bay. Always goes the extra mile. First class".
| Finance |
Welcome to the home of van-bay changed from Finance Ltd.
We are a leading supplier of specialist finance facilities for commercials and cars . Our individual approach ensures that we can often help in cases where others can't.
Our finance products allow customers throughout the UK to have credit for many customers who may otherwise be unable to get the finance arranged.
We don’t promise or guarantee to obtain finance for you but we will try our best to get you the best deal availebale from our wide range of lenders including black hosre royal bank of scotland good deal at a good rate if you are suffering with credit problems
| Hire Purchase |
Hire Purchase is the most popular method of finance, giving customers the option to purchase the vehicle on completion of the agreement; Van-bay supply the goods to leading finance companies for the duration of the agreement.
| Customer Benefits |
Eventual ownership
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Frees capital for other purchases or alternative investment
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No need to increase bank borrowings
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Accurate cash flow forecast
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For business users, any capital allowance available may be claimed
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For business users, interest can usually be offset against taxable profits
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Simple documentation resulting in faster decisions
| Lease Purchase |
Lease Purchase is a variation of Hire Purchase designed for the business user. The hirer pays a number of monthly rentals in advance and frequently at the end of the agreement, there is a final residual built in, in order for the customer to purchase the vehicle.
| Customer Benefits |
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Customer has ownership
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On balance sheet
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Tax allowances
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No VAT on monthly rentals
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Ability to claim Write Down Allowance
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Improves asset value of business
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Minimises tax liability
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Improves cash flow
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Ideal for a non VAT registered business
We offer a wide choice of finance, including lease and hire purchase, for up to 5 years.
| Finance Example |
Prices will vary depending on your financial circumstances. Typical APR 8.9%
Vehicle |
combo van 2003 |
Total price of van + vat |
£3,999.00 |
Vat deposit |
0 |
Vat @ 17.5 % |
£699.00 |
Period in Months |
60 |
Amount Financed |
£3,999.00 |
APR 8.9% |
Amount of interest |
£1,779.56 |
|
PPP % optional |
0 |
Weekly payment |
£22.22 |
Total amount payable |
Total amount payable |
£5,778.56 |
If you require finance click this link here it will take you straight to our priority finance application page
CLICK HERE TO APPLY NOW
Designed by Steven Bradshaw