If you have searched for 0% HGV finance, no credit check HGV training or HGV course payment plan, this is the plan you are looking for. Our in-house option is a private payment agreement directly with HGV Academy - no lender, no interest and no credit check.
The plan in plain English
- Month 1 - first payment. £800 as standard, reducible on request. This starts the course.
- Month 2 onwards - equal monthly payments until the balance is cleared, on dates set out in your written agreement.
- 0% interest. You pay the course price and nothing more.
- No credit check. Bad credit, thin credit file or no credit history are all fine.
What your first payment unlocks
- Your D2 and D4 licence forms, checked and submitted.
- Your D4 medical booked with an approved provider.
- Your theory tests booked.
- Your theory revision kit so you can start studying immediately.
What the final payment unlocks
Once your final payment clears, the rest of the package is released: driving lessons, the practical driving test, reversing training and test, Driver CPC Module 4 revision and test, and any extras in your package such as PPE. We book everything as soon as that payment lands.
Realistic timings
After the final payment, it takes around 2 to 4 weeks to confirm your dates for CPC Module 3a, 3b and Module 4 - this covers lesson availability and DVSA test dates in your area (usually 2 to 6 weeks from booking to passing). Spreading the cost makes the overall journey longer, which is the trade-off for no interest and no credit check. You can clear the balance early at any point to move faster.
Apply for 0% in-house finance
Choose your first payment and how many months you want, then apply online in minutes.
Who it suits
- Drivers who have been declined for credit, or who do not want a credit search on file.
- Anyone who would rather not pay interest.
- People who are happy to take a little longer in exchange for a simple, fixed plan.
Who it does not suit
If you need your licence as quickly as possible, credit finance through our broker partner funds the course up front so every date can be booked straight away. Compare both on our finance options page.
Frequently asked questions
Is there really no credit check for 0% in-house HGV finance?
Correct. The in-house plan is a private payment agreement with HGV Academy, not a regulated credit agreement, so there is no lender, no broker and no soft or hard credit check.
How much is the first payment?
The standard first payment is £800 and it can be reduced on request. It starts your course: D2 and D4 forms, the medical, theory test bookings and your theory revision kit.
When are my driving lessons and tests booked?
Once your final payment clears. After that, it takes around 2 to 4 weeks to confirm your dates for CPC Module 3a, 3b and Module 4; it usually takes 2 to 6 weeks from booking to passing.
Can I pay the balance off early?
Yes. You can clear the remaining balance at any time, which brings your booking stage forward.
Is 0% in-house finance slower than credit finance?
Yes, overall. Credit finance funds the course up front so dates can be booked immediately. The in-house plan trades speed for no interest and no credit check.
See how in-house finance works
Full details of the plan, the rules and what happens at each stage.