Im late to this thread n suppose i best back read soon, but isnt it easier to shop around for a loan and then buy the van out right. No additional fees to worry about and your on fixed repayments and the van is yours from day 1?
I have always done that in the past, but if the vehicle is just bought on a loan, then if there is a major problem with it, you can’t get a finance company involved to settle any dispute with the dealer. This I found out to my expense 2 years ago when I bought my last van. So this time I am buying on finance hp with a remainder of manufacturer’s warranty., I haven’t ,finished the loan on the other van yet, but will be receiving a small inheritance later this year, so will pay everything off in full once it comes through.
As for leasing, I was going to go this route but was put off by others who said the same as an earlier poster did, if you cease trading or can’t work, you can return the vehicle, but still have to make the payments for the remaining duration of the contract term, or pay the balance off in full.