Lendus.

Compactor Plate Finance

Plate compactors cost from around £800 for a light forward-plate unit to £6,500 for a heavy reversible plate, usually bought outright or bundled with other small tools on finance.

Can you finance a compactor plate?

Yes, compactor plates 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 £800 to £6,500, and most deals are written over 12-84 months with a deposit of around 10-20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£800 – £7k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

6.4% - 11.9% per annum

What would a compactor plate cost per month?

£2,200
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical compactor plate price. Indicative only, not a quote.

Compare compactor plate finance rates from 200+ lenders

Check Eligibility

Finance options

Hire Purchase (HP)

Rate
6.9% - 11.9% per annum
Term
12-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses that want to have a compactor on every van without booking hire

Finance Lease

Rate
6.4% - 10.9% per annum
Term
12-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Businesses that want to bundle several small tools into one payment; payments are usually deductible as an operating expense

Operating Lease

Rate
7.4% - 11.9% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want to keep the compactor plate off balance sheet and upgrade regularly

Representative example

On a purchase price of £2,200: a 10% deposit of £220, then 48 monthly payments of £46 at 5.9% APR representative (fixed). Total amount payable £2,428, 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
Forward Plate Compactor, up to 90kg £800 - £1,400 Light Compaction (Soil/Sand)
Reversible Plate Compactor, 90-220kg £1,600 - £3,200 Medium Compaction (Sub-Base)
Trench Rammer, up to 70kg £1,400 - £2,400 Trench and Backfill Compaction
Reversible Plate Compactor, 220kg+ £3,500 - £6,500 Heavy Compaction (Asphalt/Granular)

Ready to compare compactor plate finance? 2 minutes, no credit check.

Check Eligibility

Tax benefits

A plate compactor is treated as plant and machinery for tax purposes, so it qualifies for the Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 annual limit. Companies buying new, unused equipment may also qualify for full expensing, a 100% first-year deduction against Corporation Tax. These allowances apply where you own the asset, so they are available under a Hire Purchase agreement. Under a Finance Lease or Operating Lease you do not own the plate compactor outright, so allowances are not claimed directly; instead the payments are generally deducted as a business expense against profits. Always confirm treatment with your accountant before committing to a structure.

Market context

Plate compactors are bought by groundworkers, landscapers, drainage contractors and general builders who need to compact sub-base, backfill or asphalt on almost every job, which makes ownership more cost-effective than repeat hire once a business is busy enough. Because the ticket price is low, many contractors buy outright or finance a compactor as part of a wider small-tools package rather than as a standalone asset. Replacement is usually driven by engine wear and damage to the baseplate rather than obsolescence, and there is a healthy trade-in and used market at the lower end where machines are cheap to recondition.

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.

Compare rates from 200+ lenders, takes 2 minutes.

Check Eligibility

Frequently asked questions

Can I finance a used plate compactor?
It's possible, but because the asset value is low, many lenders set a minimum finance amount that a single used compactor won't meet on its own. The usual solution is to finance it as part of a small-tools or plant package alongside other equipment, which brings the total above the lender's threshold and often secures a better rate than a standalone deal.
What term suits a plate compactor's working life?
Compactors used daily on groundworks tend to be replaced every 3 to 4 years as engine wear and vibration damage the baseplate and handles. A shorter finance term matched to that cycle avoids paying for a tool past the point it's cheaper to replace than repair. Getting the term broadly right for a compactor plate matters more than chasing the lowest possible monthly payment, since a mismatch either strains cashflow early on or leaves you paying for a machine that has already become expensive to keep running.
Is a plate compactor eligible for Annual Investment Allowance?
Yes, a plate compactor is plant and machinery and qualifies for AIA when bought under Hire Purchase, though given the low cost most businesses simply expense it in year one regardless of how it's funded. AIA matters more when the compactor is financed as part of a larger equipment package. It is worth confirming the treatment with your accountant at the point of purchase, since claiming the allowance in the year you buy the compactor plate rather than spreading relief over several years can make a real difference to that year's tax bill.
What happens at the end of the agreement?
Under HP the compactor is yours once paid off. Given the small ticket size, most contractors choose Hire Purchase for tools like this rather than a lease, since there's little benefit to handing back a low-value asset at the end of term. Which option suits best usually comes down to whether you expect to keep using this exact compactor plate for years to come, or whether you are likely to want a newer or different-specification machine within a few years.
Do I need a deposit?
For a standalone compactor, many lenders waive the deposit given the low amount involved. When financed as part of a wider small-tools package, a 10-20% deposit is more typical, in line with standard Hire Purchase terms for plant. If cash is tight when the compactor plate is needed, ask the lender whether the deposit can be reduced in exchange for a marginally higher rate; this is often negotiable, particularly for an established trading business.

Related equipment finance

More construction & plant finance

See how lenders treat construction & plant assets

Guides and resources

Ready to finance your compactor plate?

Compare rates from 200+ lenders. No credit check.

Check Eligibility →
Check Eligibility, 2 min, no credit check