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Four Post Lift Finance

Spread the cost of a four post vehicle lift from £3,000 to £25,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a four post lift?

Yes, four post lifts 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 £3,000 to £25,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£3k – £25k

Approval Speed

24–48 hours

Subject to a floor slab survey

Rates From

5.3% APR

What would a four post lift cost per month?

£9,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical four post lift price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.8% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Workshops wanting to own the lift outright

Finance Lease

Rate
From 5.3% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim payments against profit

Operating Lease

Rate
From 6.1% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Suits workshops refreshing lift capacity on a cycle

Representative example

On a purchase price of £9,000: a 10% deposit of £900, then 48 monthly payments of £190 at 5.9% APR representative (fixed). Total amount payable £10,020, 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
4 Tonne Four Post Lift (Car & Light Commercial) £3,000 – £7,500 Standard Four Post Lift
Stertil-Koni Compact 4-Post Lift (4–7t) £8,000 – £14,000 Commercial-Capable Four Post Lift
Stertil-Koni ST4120 4-Post Lift (12t) £14,000 – £22,000 Heavy-Duty Four Post Lift
Four Post Lift with Alignment Turnplates £9,000 – £16,000 Alignment-Ready Four Post Lift

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Tax benefits

Four post lifts are moveable plant and machinery and generally qualify for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost instead. Any fixed groundworks needed to anchor the lift or reinforce the slab are treated separately, as they become part of the property.

Market context

Four post lifts are bought by independent garages, dealership workshops and fleet operators who need to store or work under a vehicle without the point loading a two post lift puts through wheels and sills. The lift must sit on a concrete slab of adequate depth and condition to take the anchor loads, which is a genuine site survey item that catches out buyers moving into an older or converted building rather than a purpose-built workshop. Heavier commercial-capable models are specified where vans and light trucks need to be handled alongside cars. Replacement is generally driven by hydraulic seal wear, worn safety locks and rising average vehicle weights as more electric models enter workshops, and a working secondhand market exists for lifts that pass a current inspection.

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

What floor depth do I need for a four post lift?
A four post lift anchors into the concrete slab at each post, so the slab needs enough depth and condition to hold the anchor loads specified by the manufacturer. This varies by lift capacity and slab age, and it is one of the most common reasons an installation gets delayed once equipment has already been ordered. A site survey before you order, checking slab thickness, reinforcement and any known cracking, avoids paying for a lift that cannot be safely installed where you planned to put it.
Can a four post lift handle electric vehicles?
Most four post lifts rated at 4 tonnes or above will take the weight of current electric cars and light vans, since the extra weight of a battery pack is generally within the lift's rated capacity. What matters more is checking the manufacturer's guidance on lifting points and battery pack clearance for the specific vehicles you service, as some EVs have different underbody layouts to the equivalent petrol or diesel model. If your workshop is moving toward more EV work, it is worth specifying capacity with some headroom above your current typical vehicle weight.
Four post lift or two post lift, which should I choose?
A four post lift supports the vehicle on its wheels rather than under the sills or jacking points, which suits wheel alignment, storage and quick drive-on jobs where you are not working directly underneath the wheels. A two post lift gives full access under the vehicle for brake, exhaust and suspension work but needs the sills and jacking points to be sound. Many multi-bay workshops run both, using four post lifts for alignment and storage bays and two post lifts for general servicing.
Can I finance the groundworks alongside the lift?
Most lenders will finance the lift itself, but fixed groundworks such as slab reinforcement or resurfacing are usually treated as a building improvement rather than equipment, and are typically funded separately from an equipment finance agreement. It is worth getting a clear, itemised quote from your installer that separates the lift, delivery and installation from any structural work, so your finance broker can confirm exactly what a lender will and will not include on the agreement.
How quickly can I get four post lift finance?
Most applications are approved within 24 to 48 hours once a supplier quote and recent accounts are available. Where the quote includes groundworks or a full bay fit-out alongside the lift, lenders will usually want that broken out on the invoice before releasing funds, so it is worth asking your installer for an itemised quote from the outset to avoid delays once you are ready to proceed.

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