Key highlights
- 100% finance may be available for eligible applicants
- No deposit means the full price can be funded
- Trade-off: higher repayments and more total interest
- One broker checks full-finance options across 80+ lenders
Financing the entire cost of a work vehicle, with nothing down, is something many business owners ask about. For eligible applicants it may be possible, though it depends on several factors. Here is a straight answer.
Can you finance 100% of a vehicle?
In some cases a business may finance the full purchase amount without contributing a deposit. Availability depends on your profile, the vehicle used as security, and the lender's appetite, so it is offered subject to lender criteria rather than universally.
What do lenders consider for 100% finance?
Because financing the full amount increases the lender's exposure, they often look closely at your trading history, credit profile and the asset. A stronger application improves the likelihood of approval on these terms, though nothing is guaranteed.
What does 100% financing cost?
Financing everything usually means higher repayments and more total interest than contributing some cash upfront. Whether that trade-off suits your business comes down to cash flow priorities, and any tax treatment should be confirmed with your accountant or registered tax adviser.
How do you check full-finance options?
Want to know if full financing is on the table for you? Simon at Overdrive can check across 80+ lenders. Request an obligation-free quote. It is a soft check that will not affect your credit score.
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