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Barber Chair Finance

Spread the cost of barber chairs from £600 to £20,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a barber chair?

Yes, barber chairs are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £600 to £20,000, and most deals are written over 12–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
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Typical Cost

£600 – £20k

Approval Speed

24 hours

Same-day for < £10k

Rates From

6.0% APR

What would a barber chair cost per month?

£6,000
10%
60 months
9%
£0

Your estimate

Indicative only. Not a quote and not an offer of finance.

Pre-filled with a typical barber chair price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Barbershop owners wanting to own their chairs outright

Finance Lease

Rate
From 6.0% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim 100% of payments against profit

Operating Lease

Rate
From 6.8% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Refresh chairs to keep the shop looking current. Off balance sheet.

Representative example

On a purchase price of £6,000: a 10% deposit of £600, then 48 monthly payments of £127 at 5.9% APR representative (fixed). Total amount payable £6,696, including the deposit. The rate you are offered depends on your business and the asset.

What buyers actually specify

Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.

Machine or specification Guide price Type
Takara Belmont Classic Barber Chair £2,500 – £4,500 Traditional Barber Chair
REM Emperor Barber Chair (x4) £4,000 – £7,000 Traditional Barber Chair
WBX Barber Chair £800 – £1,800 Entry-Level Barber Chair
Full Barbershop Chair Row (x6) £9,000 – £16,000 Complete Barbershop

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Tax benefits

Barber chairs are moveable equipment and generally qualify for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost instead. Because barber chairs are freestanding rather than fixed to the building, they are treated for tax purposes in the same way as other moveable shop equipment.

Market context

Barber chairs are financed by shops opening a new site, adding chairs to reduce customer wait times, or replacing chairs that have worn hydraulics or upholstery after years of daily use. Traditional hydraulic reclining chairs from established manufacturers command a higher price than entry-level chairs but are generally chosen for their durability under constant use and reclining action for hot towel and shave services, which see the heaviest mechanical wear. Chair-based barbershops with a fixed number of stations typically size their chair order to match the number of working chairs plus one or two spares, since a chair out for repair with no spare directly reduces the shop's daily capacity.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.

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Frequently asked questions

Can I finance a single barber chair?
Yes, though for very small orders a formal finance agreement may cost more in fees than it saves compared with paying outright or using supplier credit terms. Most lenders have no strict minimum, but barber chair finance tends to work best value-wise when financing three or more chairs, or a chair alongside other equipment such as basins and workstations on one agreement.
What's the difference between a barber chair and a salon styling chair for finance purposes?
There is no practical difference in how they are financed; both are moveable equipment funded the same way. The distinction is mostly about the chair's design, barber chairs typically have a reclining hydraulic mechanism for shaving and hot towel work, while styling chairs are usually fixed-back. Lenders price the agreement on cost and term rather than on which type of chair it is.
Can I finance chairs alongside basins and mirrors?
Yes. Most lenders will bundle barber chairs, basins, mirrors and workstations into a single agreement provided everything is on the same supplier invoice. This is usually more cost effective than financing each item separately and results in one monthly payment for the whole fit-out. A specialist broker comparing quotes across multiple lenders can usually confirm which product and rate best fits your specific circumstances within the same working day.
Can a new barbershop get chair finance?
Yes, though options are more limited under two years of trading. Most lenders will still consider a new barbershop, typically asking for a personal guarantee and a copy of your signed lease, and evidence of your industry experience if this is your first shop as an owner rather than as an employed barber. A clear business plan and evidence of the funds available for any shortfall between the finance and the total project cost will generally strengthen an application from a newer business.
How quickly can I get barber chair finance?
Most applications are approved within 24 hours. For orders under £10,000, same-day approval is common, which suits a new shop working to a fixed opening date. Larger orders covering a full row of chairs may take slightly longer while the lender confirms the full supplier quote. Where a quote mixes new and used barber chair, or covers more than one site, it is sensible to allow a little extra time while the lender reviews the full specification before releasing funds.

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