Finance and part exchange 4.7 on Google from 24 reviews

Fridge van finance, made simple.

Hire purchase or finance lease, for business customers, from a £500 +VAT deposit. Subject to status.

Ask about finance See real monthly figures
  • For business customers
  • Hire purchase or finance lease
  • Part exchange welcome
£500Deposit from, +VAT
HP or leaseTwo ways to pay
£490/monthLowest monthly figure in stock today
FreeUK delivery, Northern Ireland included

How it works

Four steps to your van.

No jargon. Here's how buying a fridge or freezer van on finance works with us.

Start with a question
  1. 01

    Choose your van

    Pick a van from stock, or have a new van built to your spec. Every price is shown +VAT.

  2. 02

    Choose how to pay

    Hire purchase or finance lease. Not sure which suits you? Both are explained simply below.

  3. 03

    Your deposit

    From £500 +VAT. Got a van to part exchange? It can go towards your deposit.

  4. 04

    Delivered free

    Finance is subject to status. Then we deliver your van free anywhere in the UK, Northern Ireland included.

Finance for business customers. We're a credit broker, not a lender, and work with a number of lenders. Subject to status.

Ask about finance

Hire purchase or finance lease

Two ways to pay, explained simply.

Not sure which suits you? Here’s the difference.

Own it at the end

Hire purchase

Get a new or used refrigerated van in return for regular payments over a set period.

The basics

  • You pay the full VAT up front and claim it back in the normal way
  • VAT is not charged on the monthly payments
  • The van becomes yours at the end

Benefits

  • You keep 100% of any future sale proceeds
  • Negotiable deposit
  • You claim the capital allowances on the van yourself
  • Usually leaves your other borrowing, such as a bank overdraft, untouched
  • Your payments are fixed from day one
  • Secured on the van being financed, so no need for additional security
  • You know exactly what you have to pay and when, so you can plan ahead and stay in control
Pay for use, not ownership

Finance lease

You take the van and use it, new or used, in return for regular rentals. At the end, you can keep paying a small yearly amount to keep using the van, or the van is sold for you.

The basics

  • You look after maintenance, repair, service and insurance
  • VAT is payable on the lease rentals as they fall due
  • After the term you can keep using the van for a small yearly rental
  • Or the van is sold for you, and you keep up to 95% of the price it sells for

Benefits

  • Less need to tie up capital in fixed assets
  • Use a new or used refrigerated van with minimal capital outlay
  • Usually leaves your other borrowing, such as a bank overdraft, untouched
  • The lease period can be matched to the expected life of the van
  • Rentals are normally an allowable business expense (your accountant can confirm)
  • Simple and quick to arrange, so you can concentrate on your business

Side by side, at a glance.

Both are subject to status. Prices +VAT.

The questionHire purchaseFinance lease
Who owns the van?

You do. The van becomes yours at the end.

The finance company. You pay to use it.

How does VAT work?

Paid in full up front and claimed back in the normal way. No VAT on the monthly payments.

VAT is payable on each rental as it falls due.

Tax

You claim the capital allowances on the van yourself.

Rentals are normally an allowable business expense (your accountant can confirm).

At the end

The van is yours, and you keep 100% of any future sale proceeds.

Keep it for a small yearly payment, or have it sold for you and keep up to 95% of the price.

Your bank credit lines

Usually unaffected.

Usually unaffected.

Still not sure which suits you? Tell us a little about your business and the van you're after, and we'll talk you through both. Or read how leasing a refrigerated van works, including contract hire.

Ask which suits me

Real examples from stock

What it could cost each month.

Every figure here is copied from a real van in stock today: the price, the deposit and the monthly figure on its advert. Subject to status. All prices +VAT.

See all fridge vans
New or used
Temperature

Showing 6 of 71 vans with finance figures

About these figures. Monthly figures are as shown on each van's advert: hire purchase over 60 months with a £500 +VAT deposit, subject to status. Your own figures depend on the van, your deposit and your circumstances, so ask us for a quote.

Part exchange welcome

Your current van can help pay.

Part exchange is welcome, and your current van can go towards your deposit. Pop your reg in and we'll add it to your finance enquiry.

  • Part exchange welcome
  • Deposit from £500 +VAT
  • Free UK delivery

Got a van to part exchange?

Tell us your reg and roughly how many miles it's done.

Finance enquiry

Ask about finance.

Tell us which van and how you'd like to pay, and we'll come back to you. Prefer WhatsApp? Your message is written for you as you type.

GRV4 Fridge VansWhatsApp us
Your message

Hi GRV4, I’d like to ask about finance on a van.now

Send on WhatsApp 01444 245555
Been purchasing vehicles from GRV for many years now, and always provided a 1st class service at fair prices.Roberto Q., Google review

Your finance enquiry

Takes about a minute. For business customers, subject to status.

Hire purchase or lease?
How should we get back to you?
Got a van to part-exchange?

Or call 01444 245555

Thanks. We’ve got your finance enquiry.

We’ll get back to you the way you chose, as soon as we can.

Finance questions

Good questions, straight answers.

Prefer to talk it through?

Call us 24/7, or send us a WhatsApp.

Call 01444 245555 WhatsApp us
What's the difference between hire purchase and a finance lease?

With hire purchase, the van is yours at the end. With a finance lease you pay to use the van, and the finance company stays the owner.

How much deposit do I need?

Finance is available from a £500 +VAT deposit, subject to status. On hire purchase the deposit is negotiable.

Who can get finance?

Our finance is for business customers, subject to status. We are a credit broker, not a lender, and introduce you to a number of lenders. Call us on 01444 245555 to talk it through.

How does VAT work?

On hire purchase you pay the full VAT up front and claim it back in the normal way, and VAT is not charged on the monthly payments. On a finance lease, VAT is payable on the lease rentals as they fall due.

What happens at the end of a finance lease?

You can keep using the van for a small yearly payment, or have it sold for you and keep up to 95% of the price it sells for.

Who looks after the van on a finance lease?

You do. On a finance lease the customer is responsible for maintenance, repair, service and insurance.

What about capital allowances and tax?

On hire purchase you claim the capital allowances on the van yourself. Finance lease rentals are normally an allowable business expense; your accountant can confirm.

Will it affect my credit lines with the bank?

Usually not. Both hire purchase and a finance lease normally leave your other borrowing, such as a bank overdraft, untouched: the agreement is secured on the van itself. Your lender or accountant can confirm.

Can I get finance on a van and its conversion together?

Yes. When you buy the van and the conversion from us, one finance agreement covers both.

Do you take part exchange?

Yes, part exchange is welcome. Add your reg and mileage to your finance enquiry above.

Message us

Talk to us

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WhatsApp us Email us Call 01444 245555