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Curtainsider Finance

Spread the cost of curtainsiders from £45,000 to £100,000+ with flexible finance options. HP, lease, or refinance – compare rates from 40+ lenders.

Can you finance a curtainsider?

Yes, curtainsiders 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 £45,000 to £100,000, 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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2-minute application
No credit check to apply
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Typical Cost

£45k – £100k

Approval Speed

24–48 hours

Same-day for < £75k

Rates From

4.6% APR

What would a curtainsider cost per month?

£65,000
10%
60 months
9%
£0

Your estimate

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

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

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Finance options

Hire Purchase (HP)

Rate
From 5.0% APR
Term
24–72 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Distribution and haulage businesses wanting to own the vehicle outright

Finance Lease

Rate
From 4.6% APR
Term
24–72 months
Deposit
None required
Ownership
Return, refinance the balloon, or buy at the end
Best for
Tax-efficient, particularly where a moving-floor or side-loading body adds cost

Contract Hire

Rate
From 5.3% APR
Term
24–60 months
Deposit
None required
Ownership
Return at the end
Best for
Pallet networks and hauliers wanting the curtainsider replaced on a fixed cycle

Representative example

On a purchase price of £65,000: a 10% deposit of £6,500, then 48 monthly payments of £1,371 at 5.9% APR representative (fixed). Total amount payable £72,308, 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 LF Curtainsider £48,000 – £68,000 12t Rigid Curtainsider
Mercedes-Benz Atego Curtainsider £58,000 – £85,000 18t Rigid Curtainsider
Volvo FL Curtainsider £60,000 – £90,000 Rigid Curtainsider
Iveco Eurocargo Curtainsider £48,000 – £70,000 Medium Curtainsider

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Tax benefits

Curtainsiders qualify as plant and machinery, so the Annual Investment Allowance lets you deduct the full cost from taxable profits in the year you start using the vehicle, up to £1,000,000. VAT on hire purchase is normally due upfront and reclaimed on your next return if you're VAT-registered; on finance lease or contract hire it's charged on the rentals instead and recovered as you pay, which softens the initial cash outlay on a body style that already carries a premium over a plain flatbed.

Market context

Curtainsiders are the standard body for pallet networks, general haulage, and distribution fleets, because the side curtains allow forklift loading from either side without the delay of a tail lift or rear-only access. Buyers range from owner-drivers running a single 7.5-tonner for a courier network to fleets of rigid or articulated curtainsiders serving retail distribution. New versus used decisions often come down to curtain and roof condition, since a worn curtain track or leaking roof is a common and costly repair on an older body, sometimes outweighing the mileage on the chassis 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

Can I finance a used curtainsider?
Yes. Most lenders will finance a used curtainsider 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 curtainsider 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 curtainsider 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 curtainsider finance approved?
Straightforward applications for a curtainsider 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 curtainsider 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.
Does the curtain and body get inspected separately from the chassis?
On a used curtainsider, most lenders or their valuers will look at the whole vehicle as one asset rather than pricing the chassis and body separately, but the condition of the curtain, roof, and floor still affects the valuation and therefore the rate and deposit offered. A sound chassis with a tired or torn curtain can attract a lower advance than the mileage alone would suggest, so it's worth having any bodywork issues repaired, or at least disclosed and priced in, before the lender's inspection.

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