Can I finance refurbished IT equipment?

Yes. Most lenders finance refurbished equipment from certified suppliers. Rates are similar to new when purchased from authorised refurbishers like Dell or HP certified partners.

What deposit do I need?

For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. Larger deposits reduce monthly payments.

Is leasing or buying better for IT?

Leasing is often preferred for IT because technology depreciates fast. An operating lease lets you refresh every 2–3 years, always using current tech, with the cost treated as an operating expense.

How quickly can I get IT equipment finance?

Most applications are approved within 24 hours. For deals under £30k, same-day approval is very common.

IT Equipment Finance

Spread the cost of IT equipment from £2,000 to £500,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

⚡60-second enquiry

🔒No credit check

📊200+ lenders

🇬🇧UK-based advisors

Typical cost range

£2,000 – £500,000

Average: £35,000

Finance available

HP · Lease · Refinance

From 5.0% APR

Approval speed

24 hours

Same-day for < £30k

Get IT Equipment finance quotes

Tell us what you need and we'll match you with lenders who specialise in technology.

No credit check · No obligation · Free, instant comparison

Finance Options for IT Equipments

Hire Purchase (HP)

RateFrom 5.5% APR

Term12–48 months

Deposit10–20%

OwnershipYours at the end

Best for: Businesses wanting to own IT assets outright

Finance Lease

RateFrom 5.0% APR

Term12–48 months

DepositNone required

OwnershipReturn or buy (balloon payment)

Best for: Tax-efficient — claim 100% of payments against profit

Operating Lease

RateFrom 5.8% APR

Term24–36 months

DepositNone required

OwnershipReturn at end

Best for: Refresh tech every 2–3 years. Off balance sheet.

Popular IT Equipment Models & Costs

Dell PowerEdge R760 Server£8,000 – £25,000Rack Server

Apple MacBook Pro 16" (x10)£25,000 – £40,000Laptop Fleet

Cisco Catalyst 9300 Switch£4,000 – £8,000Network Switch

HP LaserJet Enterprise MFP£3,000 – £8,000Enterprise Printer

Tax Benefits of IT Equipment Finance

IT equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one. HP allows capital allowances. Lease payments are fully deductible. Operating leases are popular for IT due to rapid depreciation.

UK IT Equipment Market

UK businesses spend £65bn annually on IT. The average UK company refreshes laptops every 3–4 years and servers every 5 years. Cloud and hybrid infrastructure is driving increased investment in edge computing and networking equipment.

Frequently Asked Questions

Asset Finance Calculator

Coming soon — pre-populated with IT Equipment average cost of £35,000

Related Equipment Finance

Office Fit-Out Finance Audio Visual Equipment Finance Printing Equipment Finance Medical Equipment Finance

View all asset finance options →