Finance Lease vs Contract Hire — what actually saves you money, what gives you the best tax advantages, and which option puts more cash back in your pocket? In this video, Frank breaks down the real difference in simple, straight-talking language that every van driver, business owner, and tradesperson can understand. If you run a van or you’re thinking about changing how you finance your next Ford, VW Transporter, Renault, Vauxhall or any commercial vehicle, this video gives you the insider knowledge you REALLY need to hear before signing another contract.
For years people have been pushed into contract hire deals without understanding what they’re actually giving up. Contract hire is easy, predictable and tidy — but it also means you never own the van and you never get any equity back at the end of the agreement. You hand the keys back, walk away, and start again from zero. In a world where vans hold their value better than ever, especially used vans like the VW Transporter, Ford Transit Custom and other popular workhorses, walking away with nothing simply doesn’t make sense for a lot of buyers.
This is where finance lease changes everything.
A finance lease gives you the freedom of lower monthly rentals, the benefit of a larger final rental (balloon), and the ability to sell the van at the end of the term. If it sells for more than the balloon — and with vans today it almost always does — you keep the equity. That can mean thousands of pounds back in your pocket. Do that every 2–3 years and the savings become huge over a decade. In many cases, drivers are £20,000+ better off sticking with finance lease instead of contract hire. This is the kind of information most dealers never tell you.
In this video, Frank uses an example of a 3-year-old VW Transporter with a £20,000 final payment and a £5,000 deposit. With a realistic resale value, the finance lease customer ends up thousands better off compared to contract hire — not once, but every single time they change their van. Over 10 years, this adds up to massive savings. Frank explains it the crafty Cockney way: simple, honest, and straight to the point.
If you're self-employed, running a limited company, VAT registered or not, or simply trying to understand which option works best for tax, cashflow and long-term value, this video gives you everything you need. We cover the benefits of finance lease, the downsides of contract hire, how balloon payments really work, how equity is generated, and why used van finance deals often make the smartest financial sense.
Whether you’re a builder, electrician, plumber, courier, fleet operator or tradesperson looking to get the best value from your next van, this breakdown will save you money and help you make smarter decisions. Finance lease is a massively underrated product, and once you understand the numbers, it becomes obvious why more people are switching away from contract hire.
📌 What you’ll learn in this video:
– The key differences between finance lease and contract hire
– How balloon payments and residual values really work
– Why finance lease often produces thousands in equity
– The tax advantages of leasing a van
– Which option provides better value for small businesses
– Why contract hire gives you nothing back at the end
– Real examples using VW Transporter & Ford Transit Custom
– How much you can save over 10 years using finance lease
If you want to save money, protect your cashflow, and avoid paying over the odds for a van you’ll never own, hit play — Frank will explain everything. And if you enjoy honest advice with a bit of personality, you’re in the right place.
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💬 Comment below if you’ve used finance lease or contract hire
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