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Concrete Mixer Finance

Spread the cost of concrete mixers from £80,000 to £250,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a concrete mixer?

Yes, concrete mixers 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 £80,000 to £250,000, 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.

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Typical Cost

£80k – £250k

Approval Speed

24–48 hours

Same-day for < £150k

Rates From

4.2% APR

What would a concrete mixer cost per month?

£140,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical concrete mixer price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 4.5% APR
Term
12–84 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Ready-mix companies wanting to own the vehicle outright

Finance Lease

Rate
From 4.2% APR
Term
12–84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient, claim 100% of payments against profit

Operating Lease

Rate
From 4.9% APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Keep fleet modern and emission-compliant. Off balance sheet.

Representative example

On a purchase price of £140,000: a 10% deposit of £14,000, then 48 monthly payments of £2,953 at 5.9% APR representative (fixed). Total amount payable £155,744, 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
Mercedes Arocs 3240 8x4 Mixer £130,000 – £180,000 8m³ Truck Mixer
Renault C430 6x4 Mixer £100,000 – £140,000 6m³ Truck Mixer
DAF CF 8x4 Mixer £120,000 – £170,000 8m³ Truck Mixer
Volvo FMX 8x4 Mixer £140,000 – £200,000 8m³ Truck Mixer

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Tax benefits

Concrete mixer trucks qualify for Annual Investment Allowance (AIA), letting you deduct the full purchase cost from taxable profits in year one, up to £1,000,000. HP agreements allow capital allowances claims on the full vehicle. Lease rentals are fully deductible from profits.

Market context

Concrete mixer trucks are bought by ready-mix suppliers and groundworks contractors running their own delivery fleet rather than relying on a third-party supplier, typically once volumes justify running and maintaining a truck in-house. Because a mixer truck is a significant purchase built onto a commercial chassis, most operators finance it alongside the rest of their fleet, matching payments to the contracts the truck is expected to service. Replacement is generally driven by drum wear and chassis condition under constant heavy loading rather than a fixed age. A reasonable used market for mixer trucks, particularly drums rebuilt onto newer chassis, helps keep finance accessible for smaller contractors.

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 concrete mixer truck?
Yes, most lenders finance used concrete mixer trucks up to around 8 years old, and an independent mechanical inspection and valuation are typically required given the values involved. Rates for used vehicles are usually a little higher than new to reflect the shorter remaining working life and the heavy loading these vehicles are put under daily. Drum condition and chassis wear matter more here than mileage alone, and a mixer rebuilt onto a newer chassis is often a more attractive used purchase than an older complete unit.
What deposit do I need for a concrete mixer truck?
For hire purchase, most lenders ask for a 10-20% deposit, while finance leases and operating leases can often be arranged with no deposit at all. Given the higher values typically involved with a mixer truck, a larger deposit can noticeably improve both the monthly payment and the rate offered. Many contractors weigh this against keeping capital available for the rest of the delivery fleet, particularly where several mixers are being financed together as part of one fleet renewal.
How quickly can I get concrete mixer finance?
Most applications are approved within 24-48 hours, and same-day approval is possible for deals under £150,000, which covers a single mixer truck purchase. Fleet orders covering several vehicles, or higher-value specifications built onto a heavier chassis, may take three to seven working days as the lender reviews the fuller order. Providing evidence of existing delivery contracts alongside the vehicle specification helps a lender assess the application more quickly, particularly for a business adding to an existing fleet.
Do I need to have been trading for a minimum period?
Most lenders require at least two years of trading history and evidence of existing contracts, given the values and running costs involved in operating a mixer truck. Newer businesses may need a personal guarantee, additional security, or a higher deposit to support the application, since the lender has less trading history to assess the business against. A ready-mix supplier or groundworks contractor moving from third-party delivery to running its own truck for the first time is a common application type, so lenders active in this space are used to assessing the underlying business case.
What happens at the end of a concrete mixer finance agreement?
Hire purchase transfers full ownership of the mixer truck once the agreement is paid off, which suits a ready-mix supplier or contractor wanting to own its fleet outright. 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 business wanting to keep its fleet modern and emission-compliant rather than run the same truck to the end of its working life. Drum wear and chassis condition under heavy loading, more than age, tend to drive replacement.
Can I finance a used mixer with a rebuilt drum on a newer chassis?
Yes, this is a fairly common configuration in the used market, and lenders will generally assess the drum and chassis as a combined unit based on the overall condition and remaining working life rather than treating them as two separate ages. A clear paper trail showing when the drum was rebuilt and onto which chassis it was fitted helps the lender's valuation, and this type of rebuilt vehicle can offer a more affordable route into mixer ownership than an equivalent-age complete original truck.

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