Car & Van Finance Across the UK – Backed by Local Expertise
Car and van finance UK – based in Perth, Scotland, we provide expert business funding and finance solutions to companies across the country. We make business loans and asset finance simple—helping businesses boost cash flow, acquire essential equipment, and expand their commercial vehicle fleets. As independent finance brokers with a national reach, we source the right lender and funding structure for your unique business needs, wherever you’re based.
Whether you’re looking for a family car, a new fleet van, or a specialist commercial vehicle, Positive Asset Finance helps UK businesses and individuals secure the right finance at the right rate. Based in Perth, we serve clients from Cornwall to the Highlands with the same dedicated, personal service.
FCA Authorised | 25+ Years Experience | 20+ Trusted Lenders | No Hidden Fees Car and Van finance UK Solutions for all Businesses.
Car and Van Finance UK – Independent Vehicle Finance with National Reach
Securing car or van finance shouldn’t mean settling for limited options. At Positive Asset Finance, we work independently to provide access to a wide range of vehicle finance solutions, ensuring you get the best terms available on the market.
We work across a panel of 20+ trusted lenders, including specialist vehicle finance providers, allowing us to offer competitive rates and flexible terms. Our team is based in Perth, Scotland, but our car and van finance UK service extends across the country, offering the same high level of expertise, speed, and personalised support to clients everywhere.
Your Car & Van Finance Options
We offer a range of flexible vehicle finance solutions, built to fit your needs.
Hire Purchase (HP)
Own your vehicle outright by spreading the cost of car and van finance UK, monthly payments. After a deposit and regular instalments, the vehicle becomes yours at the end.
Personal Contract Purchase (PCP)
Pay lower monthly instalments with flexibility at the end. You can buy the vehicle outright, return it, or trade it in. Ideal if you prefer changing vehicles regularly.
Commercial & Fleet Finance
Tailored finance packages for vans, fleet vehicles, and commercial fleets. Customised repayment plans to suit your business cash flow.
As independent brokers with strong links to lenders across the UK, we can find competitive funding options for your business, regardless of your sector. We pride ourselves on delivering clear, jargon-free advice to businesses throughout the UK. Whether you choose Hire Purchase, PCP, or commercial fleet finance, our car and van finance UK service is designed to fit your budget and business needs.
Our Rates. The Sky's The Limit!
Loan calculator
See an estimate of monthly repayments
Transparent Rates
The interest rate you’re offered depends on several factors, including your business performance, the car and van finance UK you’re funding, and your credit profile. Our representative rates start from 9.9% APR —but the exact rate will be based on your individual circumstances. We’ll always explain your options in plain English before you proceed.
Representative example: Borrowing £10,000 over 5 years at a representative APR of 12.2% (fixed) with a £0 deposit would result in monthly payments of £223. Total amount payable: £13,407. This is an example only. Your actual rate and terms will depend on your circumstances and are subject to status.
As independent brokers with access to a wide panel of UK lenders, we search the market to find the most suitable deal for your business. We earn a commission for our services, but this never influences the interest rate you’re offered.
Use the calculator below to estimate your monthly repayments. Simply adjust the sliders or click the green values to enter your own figures:
Simple Easy Asset Finance
Make a No-Obligation Enquiry. Get in touch by phone, email, or our online form. We’ll ask about the vehicle you’re looking to finance—whether it’s a family car, a fleet van, or a specialist commercial vehicle—along with your goals. There’s no obligation, and your initial enquiry won’t affect your credit score. We handle the legwork so you can stay focused on running your business.
Speak with a Local Finance Specialist. You’ll be connected with an experienced asset finance advisor based in Scotland—not a remote call centre. We’ll take time to understand your vehicle requirements, timeline, and budget, offering honest, jargon-free advice.
We Search the Market for You. As independent brokers, we have access to a wide panel of UK lenders, including those who specialise in vehicle finance. We’ll approach lenders, structure suitable proposals, and present you with clear options tailored to your circumstances.
You Choose, We Handle the Rest. Once you’re happy with a proposal, we manage all the paperwork through to completion. We’ll coordinate with dealers and lenders to ensure you receive your vehicle promptly, with no unnecessary delays.
Whether you’re based in Perth city centre, Newquay in Cornwall, Cardiff in Wales or Cookstown Northern Ireland, our straightforward process takes the stress out of asset finance. Get started today and see how simple funding can be.
Our Finance Partner
Positive Asset Finance Ltd is an appointed Representative of Forward Asset Finance Ltd.
Positive Asset Finance Ltd, No-nonsense Fast Finance
