Lendus.

Car Transporter Finance

Spread the cost of car transporters from £34,000 to £160,000+ with flexible finance options. HP, lease, or refinance – compare rates from 40+ lenders.

Can you finance a car transporter?

Yes, car transporters 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 £34,000 to £160,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£34k – £160k

Approval Speed

24–48 hours

Same-day for < £75k

Rates From

4.7% APR

What would a car transporter cost per month?

£75,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical car transporter price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.1% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Trade and auction transport businesses wanting to own the transporter outright

Finance Lease

Rate
From 4.7% APR
Term
24–72 months
Deposit
None required
Ownership
Return, refinance the balloon, or buy at the end
Best for
Tax-efficient, covering the alloy deck and loading ramps alongside the chassis

Contract Hire

Rate
From 5.5% APR
Term
24–60 months
Deposit
None required
Ownership
Return at the end
Best for
Operators wanting a modern, reliable transporter with maintenance managed for them

Representative example

On a purchase price of £75,000: a 10% deposit of £7,500, then 48 monthly payments of £1,582 at 5.9% APR representative (fixed). Total amount payable £83,436, 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
Renault Master Car Transporter £34,000 – £48,000 3.5t Single-Car Transporter
Iveco Daily Car Transporter £38,000 – £55,000 3.5t Trade Transporter
DAF LF Alloy-Deck Transporter £60,000 – £85,000 12t Multi-Car Transporter
Mercedes-Benz Actros Transporter £110,000 – £160,000 Artic Multi-Car Transporter

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Tax benefits

The transporter deck, ramps, and any winch or loading equipment are invoiced with the chassis and qualify together as plant and machinery, so the combined cost normally attracts the Annual Investment Allowance in year one, up to £1,000,000. VAT on hire purchase is generally due upfront on the full invoice; finance lease and contract hire spread it across the rentals instead, which is worth weighing carefully given how much a multi-car deck adds over a standard chassis price.

Market context

Car transporters are bought by vehicle auction houses, trade dealers, car delivery firms, and recovery operators moving one or several vehicles at a time, from a single-car trailer-style body on a 3.5-tonne chassis up to an articulated multi-car transporter carrying six or more vehicles. Financing choices often reflect how the transporter is used: a dealer moving a handful of part-exchanges a week has very different requirements from a logistics firm running a dedicated transporter fleet for a manufacturer contract. Replacement is usually driven by deck and ramp wear and by chassis mileage together, since both take a hammering from repeated loading.

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 used car transporter?
Yes. Most lenders will finance a used car transporter up to around 10 years old at the start of the agreement, and some will go older case by case. Rates on used equipment typically run 0.5–1% higher than new because residual values are less certain. An independent inspection or valuation is common for older or higher-value vehicles before the lender confirms terms.
What deposit do I need for car transporter finance?
For hire purchase, most lenders ask for 10–20% deposit. Finance lease and contract hire agreements often need no deposit at all, since the lender keeps an interest in the car transporter throughout the term. Putting down a larger deposit reduces your monthly payments and can unlock a better rate, but it isn't compulsory on most deals; it's a trade-off between cash flow today and the total cost of the agreement.
How quickly can I get car transporter finance approved?
Straightforward applications for a car transporter under £75k are commonly approved within 24–48 hours, and same-day decisions are possible once paperwork (bank statements, accounts, proof of ID) is in. Larger or more complex deals, multiple units, or first-time applicants without a strong trading history usually take longer, sometimes 5–7 working days, while the lender reviews the business case and, for higher-value assets, arranges an inspection.
Do I need to have been trading for a minimum period?
Most mainstream lenders look for 2+ years of trading history before offering standard rates and terms on car transporter finance. Newer businesses aren't automatically excluded, but they may be asked for a personal guarantee from a director, additional security, a higher deposit, or a shorter term to offset the extra risk. Start-ups sometimes do better going through a broker who can match them to a lender that specialises in newer businesses.
Can I finance the transporter body separately from the chassis it's built on?
It's possible, some bodybuilders and finance houses will treat the deck and ramps as a separate asset from the cab and chassis, but in practice most buyers finance the two together as one invoice, since that's simpler to arrange, insure, and eventually sell on as a single unit. If you already own a chassis and are having a transporter body fitted, tell the lender at the outset; they can usually still finance the conversion, but the paperwork and valuation work differently from a straightforward new purchase.

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