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EV Charging Point Finance

Spread the cost of EV charge points from £2,000 to £300,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a ev charging point?

Yes, ev charging points 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 £2,000 to £300,000, and most deals are written over 24–60 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

£2k – £300k

Approval Speed

24–48 hours

Weeks for public site revenue-share deals

Rates From

6.0% APR

What would a ev charging point cost per month?

£40,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical ev charging point price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
24–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Businesses installing chargers for their own fleet or car park, wanting to own the hardware outright

Finance Lease

Rate
From 6.0% APR
Term
24–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Fleet operators wanting the chargepoints treated as plant rather than tied up as a building fixture

Operating Lease

Rate
From 7.0% APR
Term
36–60 months
Deposit
None required
Ownership
Return at end
Best for
Charge point operators running a public site, where a lease or revenue-share structure often fits better than ownership

Representative example

On a purchase price of £40,000: a 10% deposit of £4,000, then 48 monthly payments of £844 at 5.9% APR representative (fixed). Total amount payable £44,512, 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
Zaptec Pro 22kW AC workplace charger £1,200 – £2,500 per unit, hardware only (indicative, confirm current price with a Zaptec dealer) AC Workplace Charger
Alfen Eve Double Pro AC charger £2,500 – £4,500 per unit (indicative, confirm current price with an Alfen dealer) AC Dual-Socket Charger
Kempower Satellite DC rapid charging unit £20,000 – £45,000 per unit (indicative, confirm current price with a Kempower dealer) DC Rapid Charger
ABB Terra ultra-rapid DC charger (150kW+) £45,000 – £90,000 per unit (indicative, confirm current price with an ABB dealer) DC Ultra-Rapid Charger

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Tax benefits

How an EV charge point is taxed and financed depends heavily on how it's installed. A charge point wired into a building's fixed electrical system, bolted to a wall or set into a concrete base, is generally treated as a fixture rather than free-standing plant, which changes the capital allowances position (fixtures of this kind typically sit in the special rate pool rather than qualifying in full for the main Annual Investment Allowance treatment given to genuinely moveable equipment) and can also affect whether an asset finance lender is willing to lend against the hardware on its own, since it can't easily be removed and resold if a deal goes wrong. This is worth confirming with your accountant and lender before signing, rather than assuming it's treated exactly like a portable piece of equipment.

Market context

EV charge points are bought by two quite different types of customer, and lenders assess them differently. The first is a business installing charge points for its own use, a delivery fleet electrifying its vans, or an office or retail site adding charging for staff and visitors, where the finance case looks much like any other equipment purchase secured on the business's own trading strength. The second is a charge point operator building out a public or semi-public site, a car park, forecourt or retail destination, where the hardware is sometimes financed through a lease or a revenue-share arrangement with the site host instead of a straightforward hire purchase, because the operator's income depends on future charging usage rather than an established trading history. Replacement or expansion is generally driven by charging demand outgrowing installed capacity, or a move from AC to DC rapid charging, rather than the hardware wearing out.

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

Does it matter whether the charge point is installed as a fixture or a free-standing unit?
Yes, and it's one of the first things to establish before financing. A charge point fixed into a building's electrical supply and structure is normally treated as a fixture, which affects both the capital allowances you can claim and how comfortable an asset lender is lending against it, since fixtures are harder to repossess and resell than portable equipment. A unit on a moveable bollard or cabinet is more straightforward. Get your accountant and lender to confirm which basis applies before you commit.
Is financing different for a charge point operator running a public site compared with a business charging its own fleet?
Yes, these are treated as different credit cases. A business charging its own vehicles is assessed like any other equipment purchase, on its trading history and ability to repay from existing revenue. A charge point operator's income instead depends on future usage of a new public site, so lenders and investors in that space often use revenue-share arrangements or leases structured around expected utilisation, rather than a standard hire purchase agreement.
What deposit is typical for EV charging equipment?
Hire purchase deposits typically run 10% to 20% for a straightforward fleet or workplace installation. Larger public site projects, particularly those financed on a revenue-share basis, are structured individually rather than against a fixed deposit percentage, so it's worth discussing the specific project with a lender experienced in charging infrastructure.
Can installation and groundworks be included in the finance?
Yes, for equipment-based finance, cabling, groundworks and installation shown on the supplier's invoice alongside the chargepoints can usually be included. Where the installation is extensive enough that the chargepoints are clearly fixtures, discuss with your lender how that affects the finance structure, since it may change from a straightforward equipment loan to one that reflects the fixture treatment.
How quickly can charge point finance be approved?
Straightforward fleet or workplace installations under roughly £50,000 are often approved within 24 to 48 hours once a supplier quote is available. Larger public site projects, particularly revenue-share or lease structures, typically take longer, often several weeks, since the lender needs to assess the site, expected usage and the underlying commercial agreement with the host.

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