Finance Lease
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Finance Lease is a method of leasing a van that allows a large amount of customisation to your monthly payments. A finance lease consists of an initial payment, followed by monthly payments, and ending on a balloon payment. Higher initial or balloon payments will reduce the monthly cost, which may help with your day to day budget.
With Finance Lease, you cannot own the vehicle at the end of the contract. It must be sold on to a third party on behalf of the finance company. At Van Ninja, we advise to keep the balloon payment under 100% of the predicted value of the vehicle after depreciation. This is to ensure you aren’t left with an expensive final payment that the van’s value may not cover.
To find out more, have a look at the Frequently Asked Questions below. Or check out or recent blog post on what to look for when comparing lease deals.
We offer leasing deals on a wide range of new vehicles.
We've done the hard work to secure some amazing deals for your business on vans, pickups and specialist vehicles.
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This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.
This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.
This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.
This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.
This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.
This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.
This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.
This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.
This type of agreement allows customers to take advantage of vehicle equity at an affordable monthly cost without actually owning the vehicle. Vans are hired for a monthly fee with a final payment, covering an estimated final value of the van at the end of the contract (also known as a balloon payment). At the end of a contract, you the customer, are responsible for the vehicle. If the vehicle is worth more at sale than the balloon payment, you will retain the equity built up in the vehicle (minus a small lease fee). If the sale cost is lower than the amount still owed on the vehicle, you would need to cover the difference. At the end of a Finance Lease Agreement term, as the customer, you will have the option to rent the vehicle for an agreed amount (a ‘peppercorn’ rental), or sell it to retain the equity. VAT is payable on the rental only, not the cost of the vehicle which helps with cash flow.