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Cash Recycler Finance

Spread the cost of a cash recycler from £4,000 to £45,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a cash recycler?

Yes, cash recyclers 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 £4,000 to £45,000, and most deals are written over 24–48 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

£4k – £45k

Approval Speed

24–48 hours

Same-day for < £15k

Rates From

6.1% APR

What would a cash recycler cost per month?

£13,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical cash recycler price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
24–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
A single site keeping the same equipment for several years

Finance Lease

Rate
From 6.1% APR
Term
24–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Deducting the full payment against profit

Operating Lease

Rate
From 6.8% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Multi-site retailers refreshing equipment across the estate on the same cycle

Representative example

On a purchase price of £13,000: a 10% deposit of £1,300, then 48 monthly payments of £274 at 5.9% APR representative (fixed). Total amount payable £14,452, 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
Point-of-Sale Cash Recycler (single till) £4,000 – £9,500 POS Recycler
Back-Office Cash Recycling Safe £12,000 – £25,000 Back-Office Safe
High-Volume Cash Recycler (cash centre grade) £25,000 – £45,000 High-Volume Recycler

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Tax benefits

This equipment qualifies for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year of purchase. Finance lease payments are typically deductible in full from profit as they are paid, and refinancing an owned asset does not change its capital allowances position.

Market context

Cash recyclers are bought by retail and hospitality businesses that still take significant cash and want to remove staff handling notes and coins at the till or during back-office counting and banking, accepting, validating and dispensing cash automatically rather than a till drawer that only stores it. A point-of-sale unit is bought per till and is common in convenience and hospitality settings with high transaction volume, while a back-office safe consolidates cash from several tills into one recycling and counting point, which suits larger stores or those doing their own end-of-day banking preparation. Cash recyclers are commonly supplied with a maintenance and cash-in-transit-adjacent service contract that is separate from the finance agreement on the hardware itself.

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

Does cash recycler finance include the service and maintenance contract?
No, the physical recycling unit, the note and coin validation, storage and dispensing mechanism, is what is financed through HP or lease. Cash recyclers are frequently supplied alongside a service contract covering maintenance, jam clearance and software updates, and this is a running cost paid to the supplier separately, similar to how EPOS software is licensed apart from the till hardware.
Point-of-sale recycler or back-office safe, which should I finance?
A point-of-sale unit sits at the till and lets staff pay in and take change automatically during the transaction, suiting high cash-volume tills such as convenience stores and pubs. A back-office safe consolidates cash from several tills for secure counting and banking preparation, and suits larger stores wanting to reduce the amount of cash sitting in individual till drawers through the day. Some larger sites finance both together.
Can I finance a used cash recycler?
Yes, used units from established manufacturers are financed, typically up to around 8-10 years old, since note validation technology needs to keep pace with currency changes and lenders look more closely at software update support than with simpler mechanical equipment. Confirming the unit's note validation software is still receiving updates for current currency is worth checking before buying used, since this affects both its usable life and how a lender will assess the finance application. A machine with a documented service history and evidence of recent software updates will generally secure noticeably better terms than an unknown-history unit of similar age.
How quickly can cash recycler finance be approved?
Single-unit deals under £15,000 are commonly approved within 24-48 hours, which covers most single-till point-of-sale recycler purchases. Back-office safes and high-volume units, being higher value and more complex to specify, typically take three to five working days as the lender reviews the fuller application. Multi-site deals covering several stores at once follow a similar structuring process to other retail estate rollouts, with the facility sized to the whole programme rather than store by store, so having a clear list of sites and unit counts ready speeds up the review considerably.
Can a new retail business finance a cash recycler?
Yes, though a newly opened site without an established trading history will usually be asked for a personal guarantee, a higher deposit, or evidence such as a signed lease on the premises and projected transaction volumes to support the application. An existing retailer adding a cash recycler as part of a wider till or estate upgrade generally has an easier path, since the lender can assess the equipment against a proven trading pattern rather than projections for a site that has not yet opened.
What happens at the end of a cash recycler finance agreement?
Hire purchase transfers full ownership of the unit once the agreement is paid off, which suits a single site planning to keep the same equipment for several years. A finance lease usually offers a balloon payment to take ownership, continued rental, or handover to the funder, while an operating lease is return-only, which suits a multi-site retailer refreshing cash handling equipment across the estate on the same cycle as its till and EPOS technology, since validation software needs to keep pace with currency changes over time.

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