1. What are the different types of funding methods?
For a full breakdown of available funding options, please visit the finance section on our website.
Each option is briefly explained, but we strongly recommend consulting your accountant or business advisor before making a decision.
2. Do I need a good credit rating?
All finance options are subject to status and acceptance.
As a credit broker, we provide lenders with relevant details, including:
- Your business or personal information
- Residential address
- Affordability details
- Supporting documents
A credit search will be conducted, and a decision made based on this assessment.
We work with a diverse panel of finance providers to accommodate various financial situations.
3. Can I Lease or Contract Hire a vehicle if I am not VAT registered?
Yes.
- If you are VAT registered, you can reclaim VAT as you go.
- If you are not VAT registered, you can still offset the monthly rental and VAT element against your taxable profits.
Note: For personal contract hire agreements, VAT cannot be reclaimed against business expenses.
Contract Hire is only available for new vehicles.
4. Are there mileage restrictions for Lease or Contract Hire vehicles?
Yes, but agreements can be tailored to your needs.
Mileage allowances are set during the quotation process to match your requirements.
5. Why does my monthly rental increase with higher mileage?
Monthly rental costs are based on:
- Vehicle cost
- Initial rental amount
- Contract term (typically 2–5 years)
- Expected residual value (future worth of the vehicle)
Higher mileage reduces the vehicle’s residual value, leading to increased monthly rental costs.
6. How long can I Lease or Contract Hire a vehicle?
Lease and Contract Hire agreements typically range from 2 to 5 years.
Shorter-term agreements may be available in some cases.
7. Can I Lease a used van?
Yes. We offer finance lease agreements for used vans, subject to vehicle age and mileage.
Unlike new vehicles, used vehicle finance leases do not include road tax for the first 12 months, which must be arranged separately.
8. Do used vehicles come with a warranty?
Yes. Used commercial vehicles are provided with either:
- The remaining manufacturer’s warranty, or
- A 12-month 3rd Party warranty, covering mainland UK.
9. What deposit or initial rental will I need to pay?
Options include:
- Standard Advance Payments: 3 monthly rentals upfront, up to 50% of the vehicle’s value
- Single Monthly Rental in Advance: Equal to the ongoing monthly payments
- Custom Initial Payments: Tailored options based on your financial preferences
- Ownership-Based Agreements: Hire Purchase agreements require the VAT element upfront; some providers may require an additional 10–20% deposit
10. Can I Contract Hire a vehicle for personal use?
Yes. Call us on 07525 146426 to discuss available options.
11. Can I purchase the vehicle at the end of my contract?
Some agreements allow you to buy the vehicle, such as Hire Purchase or Lease Purchase agreements.
Contact our team on 07525 146426 to explore your options.
12. Is servicing included in my contract?
You can add a maintenance package to a Contract Hire or Personal Contract Hire agreement.
We also offer standalone maintenance contracts regardless of your finance choice.
13. Should I get a maintenance package? What does it cover?
We recommend a comprehensive maintenance package, which may include:
- Manufacturer servicing
- MOTs
- Mechanical & electrical repairs
- Tyre replacements (varies by provider)
14. Are there delivery charges?
- New Vehicles: Free mainland UK delivery
- Used Vehicles: Collection is preferred for inspection; delivery is available for an additional charge
15. Does my vehicle come with road tax?
- New Vehicles: Road tax and first registration fee included
- Used Vehicles: Road tax not included; customers must arrange separately
- Contract Hire Agreements: First-year road tax included; subsequent years depend on the agreement
- Finance Lease Agreements: Customers responsible for ongoing road tax
16. Are your vehicles imports?
No. All vehicles are UK-sourced with manufacturer warranties.
17. FCA & Finance Disclosures
- We are a appointed representative for XXXXXXXXXXXXX credit broker, not a lender.
- We are authorised and regulated by the FCA (Firm Reference Number: XXXXXXX).
- We typically receive commission from lenders, which does not affect the amount you pay.
Commission Disclosure: You may request further information about any commission or remuneration we receive before the finance agreement is concluded, and we will provide this in a clear and timely manner.
Financial Ombudsman Service: If you are dissatisfied with our service and cannot resolve a complaint with us, you can refer your complaint to the Financial Ombudsman Service:
Exchange Tower, London, E14 9SR
Telephone: 0800 023 4567 or 0300 123 9123
Website: www.financial-ombudsman.org.uk
18. Contact Us
For further details, please contact our team:
📞 07525 146426
📧 Lee@e4vans.co.uk
Last Updated: 19/01/2026
E&OE (Errors & Omissions Excepted)