Spread the cost of lorries from £35,000 to £120,000+ with flexible finance options. HP, lease, or refinance – compare rates from 40+ lenders.
Yes, lorrys 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 £35,000 to £120,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£35k – £120k
Approval Speed
24–48 hours
Same-day for < £75k
Rates From
4.6% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical lorry price. Indicative only, not a quote.
Compare lorry finance rates from 200+ lenders
Check EligibilityOn a purchase price of £65,000: a 10% deposit of £6,500, then 48 monthly payments of £1,371 at 5.9% APR representative (fixed). Total amount payable £72,308, 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 |
|---|---|---|
| DAF LF | £45,000 – £70,000 | 7.5–12t Rigid |
| Mercedes-Benz Atego | £48,000 – £80,000 | 7.5–18t Rigid |
| Volvo FL | £55,000 – £90,000 | Rigid Lorry |
| Iveco Eurocargo | £40,000 – £65,000 | Medium Rigid |
Ready to compare lorry finance? 2 minutes, no credit check.
Check EligibilityLorries 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. On hire purchase, VAT is generally due upfront and reclaimed on your next VAT return if you're registered. On finance lease or contract hire, VAT is charged on the rentals instead and recovered within them as you pay, which keeps cash tied up in the vehicle to a minimum.
Lorries in the 7.5 to 32 tonne rigid bracket are bought by a wide spread of businesses: builders' merchants, waste and recycling firms, local distribution companies, and tradespeople who've outgrown a van. Many buyers choose finance because it lets them keep a rigid lorry's cost off the balance sheet or spread it against the revenue the vehicle generates, rather than tying up cash that could go into stock or staff. Replacement decisions are usually driven by mileage, MOT and inspection costs on an ageing chassis, and whether a newer Euro-standard engine helps with access to low emission zones.
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.
Compare rates from 200+ lenders, takes 2 minutes.
Check Eligibility