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Camera Equipment Finance

Spread the cost of professional camera equipment from £2,000 to £80,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.

Can you finance a camera equipment?

Yes, camera equipments 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 £2,000 to £80,000, and most deals are written over 24–48 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£2k – £80k

Approval Speed

24 hours

Same-day for < £30k

Rates From

5.6% APR

What would a camera equipment cost per month?

£15,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical camera equipment price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.9% APR
Term
24–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Photographers and videographers keeping a body and lens kit for its full working life

Finance Lease

Rate
From 5.6% APR
Term
24–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Deducting the full payment against profit for a higher-value camera kit

Operating Lease

Rate
From 6.3% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Studios upgrading camera bodies as sensor and video specifications improve

Representative example

On a purchase price of £15,000: a 10% deposit of £1,500, then 48 monthly payments of £316 at 5.9% APR representative (fixed). Total amount payable £16,668, 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
Canon EOS C-Series Cinema Camera £4,500 – £15,000 Cinema/Video Camera
Canon EOS R-Series Mirrorless Body & Lens Kit £2,500 – £8,000 Photography Camera
Professional Lens Kit (multi-lens) £3,000 – £20,000 Lenses
Lighting, Tripod & Grip Package £2,000 – £10,000 Support Equipment

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Tax benefits

Camera bodies, lenses, lighting and grip equipment qualify for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid, which is a common route for freelancers and studios wanting to keep the cost off the balance sheet as a depreciating asset.

Market context

The typical buyer is a freelance photographer, videographer, production studio or in-house marketing team specifying a camera and lens kit for a particular type of work, whether that's editorial photography, commercial video or event coverage. Camera bodies tend to see meaningful sensor, autofocus and video specification improvements every few years, while a well-chosen lens can remain useful across several camera body generations, which is one reason many photographers and studios treat bodies and lenses differently when deciding what to finance and how long to keep it. Because camera equipment is specialist, portable and has an active second-hand market, resale value depends heavily on the specific model and condition, which can influence how a lender prices a finance agreement.

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 camera body separately from lenses and accessories?
Yes, though most photographers and studios find it simpler to finance a complete kit, meaning body, lenses, lighting and grip equipment, on one agreement rather than running separate finance for each item. If you already own lenses and only need a new body, that can be financed on its own in the same way. Financing the body on its own is also a sensible way to test a new system before committing to a full lens set on a separate agreement later.
Is leasing or hire purchase better for camera equipment?
Hire purchase suits photographers who choose a body and lens kit and expect to use it for its full working life, often five years or more for well-specified lenses in particular. A lease suits studios and videographers who want to stay current on the latest sensor and video capabilities, since camera bodies especially tend to see more frequent generational improvements than lenses.
Will a lender finance camera equipment for a sole trader or newly self-employed photographer?
Yes, this is a common category for sole traders and freelancers, and lenders are generally used to financing camera kits for self-employed creative professionals. Expect standard checks on trading history and credit profile, and be ready to explain what the equipment will be used for, since that helps demonstrate the business case behind the purchase. A portfolio of paid work or confirmed bookings, even early in a new business, can strengthen the application alongside the standard credit checks.
Does camera equipment finance cover editing software or cloud storage for footage?
No, editing software subscriptions and cloud storage for photo and video files are ongoing running costs rather than physical assets, so they sit outside the equipment finance agreement, which covers the camera bodies, lenses and physical support equipment such as lighting, tripods and grip gear. Many photographers and studios budget for these subscriptions as a separate monthly running cost alongside the finance payment for the physical kit.
How quickly can camera equipment finance be approved?
Most applications are approved within 24 hours, and camera equipment purchases under £30,000 are often approved the same day, provided the business has a clean credit history and the supplier's quote is straightforward to review. Larger orders, multi-site rollouts, or purchases bundled with other equipment on the same agreement can take a little longer, since the lender needs to review the full specification and how the purchase fits with what the business already has in place.

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