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Livestock Trailer Finance

Spread the cost of livestock trailers from £6,000 to £18,000+ with flexible finance options. HP, lease, or refinance – compare rates from 40+ lenders.

Can you finance a livestock trailer?

Yes, livestock trailers 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 £6,000 to £18,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

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2-minute application
No credit check to apply
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Typical Cost

£6k – £18k

Approval Speed

24 hours

Same-day for < £15k

Rates From

5.1% APR

What would a livestock trailer cost per month?

£11,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical livestock trailer price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.5% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Farmers wanting to own the trailer outright

Finance Lease

Rate
From 5.1% APR
Term
12–60 months
Deposit
None required
Ownership
Return, refinance the balloon, or buy at the end
Best for
Tax-efficient way to spread a lower-value asset over its working life

Contract Hire

Rate
From 5.8% APR
Term
24–48 months
Deposit
None required
Ownership
Return at the end
Best for
Contractors moving livestock for multiple farms who want the trailer replaced regularly

Representative example

On a purchase price of £11,000: a 10% deposit of £1,100, then 48 monthly payments of £232 at 5.9% APR representative (fixed). Total amount payable £12,236, 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
Ifor Williams TA5 £6,000 – £9,000 Single-Axle Stock Trailer
Ifor Williams TA510 £9,000 – £15,000 Twin-Axle Cattle Trailer
Nugent Livestock Trailer £8,000 – £14,000 Livestock Box Trailer
Houghton Trailers Livestock Box £10,000 – £18,000 Multi-Deck Livestock Trailer

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Tax benefits

Livestock trailers qualify as plant and machinery, so the Annual Investment Allowance lets you deduct the full purchase cost from taxable profits in year one, up to £1,000,000, which comfortably covers most trailers on its own. VAT on hire purchase is generally due upfront and reclaimed on your next return if you're VAT-registered; on finance lease it's charged on the rentals instead. Given the relatively modest value of most livestock trailers, some farmers choose to buy outright rather than finance, but spreading the cost can still help cash flow around seasonal income.

Market context

Livestock trailers are bought by farmers, agricultural contractors, and auction mart hauliers moving cattle, sheep, or pigs between farms, markets, and abattoirs, usually towed behind a 4x4 or pickup rather than needing a separate HGV licence. Buyers choosing finance are often spreading the cost around seasonal farm income rather than committing a lump sum at a time of year when cash is tight. Trailers must meet welfare-in-transport standards for ventilation, flooring, and partitioning, and replacement is frequently driven by floor and ramp condition, since these take the most wear from repeated loading of livestock.

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

Can I finance a used livestock trailer?
Yes. Most lenders will finance a used livestock trailer up to around 15 years old at the start of the agreement, and some will go older case by case. Rates on used equipment typically run 0.5–1% higher than new because residual values are less certain. An independent inspection or valuation is common for older or higher-value vehicles before the lender confirms terms.
What deposit do I need for livestock trailer finance?
For hire purchase, most lenders ask for 10–20% deposit. Finance lease and contract hire agreements often need no deposit at all, since the lender keeps an interest in the livestock trailer throughout the term. Putting down a larger deposit reduces your monthly payments and can unlock a better rate, but it isn't compulsory on most deals; it's a trade-off between cash flow today and the total cost of the agreement.
How quickly can I get livestock trailer finance approved?
Straightforward applications for a livestock trailer under £15k are commonly approved within 24 hours, and same-day decisions are possible once paperwork (bank statements, accounts, proof of ID) is in. Larger or more complex deals, multiple units, or first-time applicants without a strong trading history usually take longer, sometimes 5–7 working days, while the lender reviews the business case and, for higher-value assets, arranges an inspection.
Do I need to have been trading for a minimum period?
Most mainstream lenders look for 2+ years of trading history before offering standard rates and terms on livestock trailer finance. Newer businesses aren't automatically excluded, but they may be asked for a personal guarantee from a director, additional security, a higher deposit, or a shorter term to offset the extra risk. Start-ups sometimes do better going through a broker who can match them to a lender that specialises in newer businesses.
Do I need a separate vehicle financed to tow the trailer?
No, most livestock trailers are towed behind a 4x4 or pickup truck the farmer or contractor already owns, and the trailer itself is financed as a standalone asset. If you need to finance the towing vehicle as well, that's usually arranged as a separate agreement, for example under pickup truck finance, since lenders generally treat the trailer and the tow vehicle as two distinct assets even when you're buying both from the same dealer.

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