01
Declined for van finance
A finance refusal does not automatically rule out Rent2Buy. The scheme is assessed differently, with a focus on affordability and eligibility.
RENT2BUY VANS / WHO WE HELP
Declined van finance? You still have options.
If you've been refused traditional van finance, Rent2Buy may offer another route into a working van. We don't carry out a traditional credit check, but we do assess affordability, identity, documents and eligibility before accepting an application.
Subject to affordability, identity, documents, location and overall eligibility.
01 / WHO IT MAY HELP
A fresh look at your circumstances.
A credit score doesn't tell the full story. Rent2Buy considers whether the proposed rentals are affordable today, without promising automatic acceptance.
02
CCJs, defaults or poor credit
Past credit difficulties do not automatically prevent an application. We still review your circumstances, income, documentation and ability to meet the rentals.
03
Need a van for work
Employees, tradespeople, contractors, self-employed applicants and eligible businesses can explore Rent2Buy, provided the scheme conditions are met.
02 / BEFORE YOU APPLY
Clear criteria.
No false promises.
Rent2Buy is a rental-to-ownership arrangement, not conventional van finance. A poor credit history does not automatically rule you out, but we still need to confirm that the arrangement is suitable and affordable.
Check full eligibility criteriaLocation
You must normally live within 100 driving miles of Southampton SO40 2NN. Collection is from Southampton; UK-wide delivery is not offered for this scheme.
Documents and income
We normally request recent bank statements, two proofs of address and a full UK or accepted EU driving licence to assess identity and affordability.
Rentals and ownership
An initial rental and monthly rentals apply. The van is yours only if you complete the agreement and exercise the current £99 final purchase option.
03 / HOW IT WORKS
Four straightforward steps.
There are checks, but no need to guess what happens next. Here's the general Rent2Buy application process.
Tell us what you need
Complete the Rent2Buy application with your details, circumstances and the type of van you need.
Provide supporting proofs
Upload the requested bank statements, proof of address and driving licence so we can review the application.
We assess affordability
We check identity, income, commitments, location and eligibility. There is no traditional credit check, but approval is not automatic.
Choose an eligible van
If approved, select a van offered on Rent2Buy, review the agreed rentals and arrange insurance before collection.
04 / QUESTIONS ANSWERED
The details
worth knowing.
Every application is reviewed individually. Your written agreement confirms the terms for the van you choose.
Can I apply after being refused traditional van finance?
Yes, you can apply. A previous finance refusal does not automatically prevent Rent2Buy eligibility. There is no traditional credit check, but your identity, income, affordability, documents and location must be assessed. Acceptance is not guaranteed.
Do CCJs, defaults or a poor credit history automatically rule me out?
Not automatically. Rent2Buy is not conventional credit-based van finance, so we focus on your current ability to afford the proposed rental and whether you meet the scheme criteria. All applications are reviewed individually.
Will you carry out a credit check?
The Rent2Buy scheme does not use a traditional credit check. We do still assess affordability, identity, submitted documents, location and overall eligibility before making a decision.
Can self-employed customers and new businesses apply?
Yes. Self-employed people, sole traders, contractors and limited companies may apply. We may require additional business information or bank statements to assess income and affordability.
Is Rent2Buy available anywhere in the UK?
No. Applicants must normally live within 100 driving miles of Southampton SO40 2NN. Vehicles are collected from Southampton, rather than delivered nationwide.
How much will I need to pay upfront?
An initial rental is payable before collection, as well as the ongoing monthly rentals set out for your chosen van. Check the vehicle listing and written agreement for the exact amounts and VAT.
Will I own the van after the final monthly rental?
Ownership does not transfer automatically. Once you have fulfilled the agreement and its conditions, the current final purchase option is £99. Ownership transfers only when you exercise that option.
YOUR NEXT CHAPTER
A working van could still be within reach.
Explore vehicles actually available through Rent2Buy, see the initial and monthly rentals, and apply when you're ready. Every application remains subject to the scheme criteria.