Spread the cost of a hearse from £45,000 to £120,000+ with flexible finance options: HP, lease or refinance. Compare rates from 40+ lenders.
Yes, hearses 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 £120,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 48–72 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£45k – £120k
Approval Speed
48–72 hours
Same-day for < £50k
Rates From
6.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical hearse price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £75,000: a 10% deposit of £7,500, then 48 monthly payments of £1,582 at 5.9% APR representative (fixed). Total amount payable £83,436, 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 |
|---|---|---|
| Mercedes E-Class-Based Hearse (coachbuilt, new) | £70,000 – £95,000 | Coachbuilt Hearse |
| Volvo/Jaguar-Based Hearse (coachbuilt, new) | £65,000 – £90,000 | Coachbuilt Hearse |
| Electric Hearse (coachbuilt, new) | £75,000 – £110,000 | Electric Coachbuilt Hearse |
| Used/Refurbished Hearse (3–5 years) | £25,000 – £55,000 | Used Coachbuilt Hearse |
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Check EligibilityHearses qualify for the Annual Investment Allowance, so a purchase or HP agreement can usually be deducted against taxable profit in the year of purchase, and lease payments are deductible in full as they are paid. Livery, signwriting and any bespoke coachwork specified for the vehicle are usually invoiced as part of the coachbuilder's price and can typically sit on the same agreement.
Hearses are bought by funeral directors, from single-branch independents to regional and national groups, usually as a replacement for an ageing vehicle rather than a first purchase, since most firms need at least one hearse to operate at all. A funeral director finances a hearse because a purpose-built coachbuilt vehicle costs considerably more than the donor car it's built from, and spreading that cost over several years matches how the vehicle is used, day in and day out, for the length of its service life. Hearses and other funeral vehicles are long-life assets in a stable, low-churn sector, which is generally viewed favourably by lenders assessing the application. Many funeral directors also sell pre-paid funeral plans, which are regulated by the Financial Conduct Authority; that regulatory relationship sits separately from vehicle finance, but it is something a lender may ask about when reviewing the wider business.
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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