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Looking for a flexible and affordable way to fund your next used van, truck, or commercial vehicle?
We offer a range of tailored finance packages, including Hire Purchase (HP), Lease Purchase (LP), and PCP (for pick-ups and lifestyle vehicles).
Our goal is to make commercial vehicle finance simple, transparent, and cost-effective — so you can get on the road with confidence.
Finance Option | Term Length | Deposit | Monthly Payments | End of Agreement | Best For |
Hire Purchase (HP) | 36 – 60 months | Usually VAT (varies if not VAT registered) | Fixed monthly instalments | Final payment + £1 option-to-purchase fee → You own the vehicle | Buyers who want simple ownership with fixed costs |
Lease Purchase (LP) | 36 – 49 months | Usually VAT | Lower monthly instalments (due to balloon payment) | Balloon payment + £1 option-to-purchase fee → You own the vehicle | Businesses wanting lower monthly payments and planning to keep the vehicle |
Personal Contract Purchase (PCP) | 36 – 49 months | Not always required (may be requested) | Fixed monthly instalments | Choice of: Hand back, keep (pay GFV), or part exchange | Drivers of pick-ups/lifestyle vehicles who want flexibility and upgrade options |
Lease Purchase (LP) for Vans & Trucks
Lease Purchase is a flexible option that reduces your monthly costs by deferring part of the balance to the end of the agreement.
Great for businesses wanting lower monthly repayments with the intention to keep the vehicle long term.
Personal Contract Purchase (PCP) – Pick-Ups & Lifestyle Vehicles
Please note: PCP is not available for business finance proposals.
PCP works much like Lease Purchase but gives you more options at the end of the agreement.
To return the vehicle at the end of the term, you must ensure:
Perfect for drivers who want flexibility and the option to change vehicles more regularly.
Hire Purchase (HP) for Used Vans & Commercial Vehicles
Hire Purchase is one of the most popular ways to fund a used commercial vehicle.
Haynes Brothers Limited is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Haynes Brothers Limited to act as a credit broker, not a lender, for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only.
We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor.
Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase.
Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement.
All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.
Haynes Agricultural Limited, Haynes Agritec Limited , Haynes Brothers Limited, Haynes of Maidstone Limited, Haynes Trucks Limited.
Registered in England & Wales: 00048511
Registered Office: Address: 23 Ashford Road, Maidstone, ME14 5DQ
Data Protection No: Z5658230
Firm Reference Number: FRN 1001070
