Spread the cost of an EPOS system from £600 to £40,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.
Yes, epos systems 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 £600 to £40,000, and most deals are written over 24–36 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£600 – £40k
Approval Speed
24 hours
Same-day for < £30k
Rates From
6.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical epos system price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £4,500: a 10% deposit of £450, then 48 monthly payments of £95 at 5.9% APR representative (fixed). Total amount payable £5,010, including the deposit. The rate you are offered depends on your business and the asset.
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 |
|---|---|---|
| Touchscreen POS Terminal (per till) | £500 – £1,200 per till | EPOS Terminal |
| Receipt Printer, Cash Drawer & Scanner Bundle | £150 – £500 per till | Peripheral Bundle |
| Kitchen Display System (hospitality) | £800 – £2,500 | Kitchen/Back-of-House Display |
| Multi-Terminal Retail/Hospitality Rollout (x5) | £4,000 – £12,000 | Multi-Site EPOS Fleet |
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Check EligibilityEPOS terminals, printers, cash drawers and card reader hardware qualify for the Annual Investment Allowance, so a purchase or HP agreement can be deducted against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid. The EPOS software itself, which handles sales, stock and reporting, is almost always sold as a monthly per-till subscription rather than bought outright, and that subscription is a running cost that finance agreements do not cover.
The typical buyer is a retail, hospitality or leisure business installing EPOS for a new site or replacing terminals that are slow, out of manufacturer support, or no longer compatible with the card payment standards their acquirer requires. This is one of the categories where buyers most often underestimate how much of their quote is software rather than hardware: a modern EPOS terminal is frequently sold as a relatively low-cost device with the real ongoing cost sitting in the monthly per-till software licence, which typically continues for as long as the till is in use and is not something asset finance will fund. Terminal hardware is commonly refreshed every three to five years as payment security standards and processor requirements move on.
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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