We can also arrange an out of hours appointment to suit you
Sunday: 10:00 to 15:00
Saturday: 9:00 to 17:00
Monday to Friday: 8:30 to 18:00

Finance Options at Wheels Van Centre

We are an FCA approved dealer, able to offer a range of finance options to suit all needs. Our staff are fully trained finance professionals, so you can be confident in funding your purchase with one of the major lenders we use.

We work closely with MotoNovo Finance, who themselves are a highly respected organisation in the vehicle financing industry, offering a range of relevant products and services quickly, efficiently and competitively.

When you place an order with us we only ask for a small holding deposit, then we can provide flexible low rate finance packages, enabling you to purchase your van with ease and at low cost monthly payments. Alternatively, you may wish to arrange your own financing which would be payable when your vehicle is ready for delivery.


Hire Purchase is a way to finance buying a new .
What is Hire Purchase?

Hire Purchase is a way to finance buying a new or used car. You will

normally pay an initial deposit and will pay off the entire value of the

car in monthly instalments. When all the payments are made, the Hire

Purchase agreement ends, and you own the car outright.

The UK’s number 1 van centre, holding the largest amount of commercial vehicle stock in the UK. We hold over 400 vans in group stock, in a variety of makes, models and body types. Our stock ranges from: Cars; Car derived Vehicles; SWB; MWB; LWB panel vans; Tippers; Dropside trucks; Fridge vans; Luton vans; Automatic vans; Crew vans; Mess vans; Minibuses; 4x4s; Pick up trucks; All the way up to specialist HGV vehicles. Therefore you need look no further to find your new used van.


Our aim is to provide a huge choice of quality vans under one roof. We are specialists in all types of commercial vehicles, physically stocking over 600 vans in group stock, we pride ourselves in being the number one commercial vehicle dealer, holding the largest amount of stock in the UK. We stock a huge variety of commercial vehicles, including all makes and models, and all body types. Our used van management team have over 100 years’ experience in all aspects of the commercial vehicle industry and as a result our service is quick, efficient and reliable with short delivery lead times.

As a valued customer you will be designated with your own sales consultant which ensures you will always speak to the same person. You will be guided through the vehicle buying process at each step from selecting the right used van to meet your needs, to getting set up with the right finance or funding package for your budget.

What is Hire Purchase (HP)?

​Hire Purchase is a way to finance buying a new or used car. You will normally pay an initial deposit and will pay off the entire value of the car in monthly instalments. When all the payments are made, the Hire Purchase agreement ends, and you own the vehicle outright. 

What are the advantages of HP?

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  • You’ll be able to drive away a car that you may not have managed to buy outright.
  • Unlike a PCP or PCH contract, you won't need to estimate your mileage at the start of your Hire Purchase agreement, so you'll avoid excess mileage charges.
  • Once you’ve made your final monthly payment, including the option to purchase fee, you'll have full ownership of the vehicle.

What should you consider when opting for HP?

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  • Monthly payments may be higher than some other finance options, such as PCP, as you're paying off the full value of the vehicle.
  • You won’t be able to sell the vehicle without settling the finance.
  • You won’t own the vehicle until you have made all of your repayments.
  • You’ll need to keep the vehicle properly insured, maintained and in your possession until the full value is paid off.

Can I settle my HP agreement early?

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The short answer is yes, you can end your finance early. There are different provisions within each finance agreement that allows you to do just that. If you have got through two-thirds of the way through your finance agreement, the options to end the finance agreement early open up.

For a Hire Purchase agreement, there is an option of paying it off early through a settlement fee. A settlement fee covers the cost of any remaining unpaid instalments and interest payments remaining on the agreement. Once the settlement fee is paid, you take full ownership of the vehicle early.

Under a Personal Contract Purchase agreement, you can also pay a settlement fee for bringing the agreement to an end early. After that, you can choose to hand the vehicle back or you have a second option. Through a PCP agreement, you can take full ownership of the vehicle by paying off the remaining Guaranteed Minimum Future Value also known as a balloon payment.