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Concrete Mixer Truck Finance

Spread the cost of concrete mixer trucks from £85,000 to £125,000+ with flexible finance options. HP, lease, or refinance – compare rates from 40+ lenders.

Can you finance a concrete mixer truck?

Yes, concrete mixer trucks 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 £85,000 to £125,000, 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

£85k – £125k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

4.8% APR

What would a concrete mixer truck cost per month?

£100,000
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 truck price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.2% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Ready-mix and concrete supply businesses wanting to own the vehicle outright

Finance Lease

Rate
From 4.8% APR
Term
24–72 months
Deposit
None required
Ownership
Return, refinance the balloon, or buy at the end
Best for
Tax-efficient way to fund the mixer drum and PTO alongside the chassis

Contract Hire

Rate
From 5.5% APR
Term
24–60 months
Deposit
None required
Ownership
Return at the end
Best for
Fleets wanting the drum and chassis maintained together on a fixed replacement cycle

Representative example

On a purchase price of £100,000: a 10% deposit of £10,000, then 48 monthly payments of £2,110 at 5.9% APR representative (fixed). Total amount payable £111,280, 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
DAF CF Mixer £85,000 – £115,000 8x4 Concrete Mixer
Scania P-Series Mixer £90,000 – £120,000 Concrete Mixer
Volvo FMX Mixer £90,000 – £120,000 Concrete Mixer
Mercedes-Benz Arocs Mixer £95,000 – £125,000 8x4 Concrete Mixer

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Tax benefits

A concrete mixer truck's drum, PTO, and hydraulics are invoiced with the chassis and both qualify together as plant and machinery for the Annual Investment Allowance, so the full cost is normally deductible in year one, up to £1,000,000. VAT on hire purchase is generally due upfront on the combined invoice; finance lease or contract hire spreads it across the rentals instead, which matters given how much the mixer drum and drive system add to the base chassis price.

Market context

Concrete mixer trucks are bought by ready-mix concrete suppliers and construction firms running their own concrete supply rather than buying in from a third party. Most are specified as an 8x4 chassis to carry the weight of a loaded mixer drum legally, and the drum's rotation is usually driven by a power take-off from the truck's own engine or, on some models, a separate auxiliary engine. Replacement is typically driven by drum and chute wear, since concrete is highly abrasive to the mixing and discharge components, often more so than the mileage the chassis has covered.

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 will finance a used concrete mixer truck 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. Drum wear from abrasive concrete is a bigger factor in valuation than chassis mileage alone. An independent inspection or valuation is common for older or higher-value vehicles before the lender confirms terms.
What deposit do I need for concrete mixer truck 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 concrete mixer truck 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 concrete mixer truck finance approved?
Straightforward applications for a concrete mixer truck under £100k 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 concrete mixer truck 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.
Is the mixer drum covered under the same finance as the chassis?
Yes, provided the drum, PTO, and any auxiliary engine are fitted before the vehicle is invoiced to you, they're normally included in the same finance agreement as the chassis, which is how most concrete mixer trucks are bought and financed. If you're having a drum fitted to a chassis you already own, that's usually arranged as a separate conversion finance agreement, so it's worth telling the lender which situation applies to you.

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