Spread the cost of a Class 1, 2, 4 or 7 MOT bay from £10,000 to £35,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, mot bay equipments 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 £10,000 to £35,000, 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.
Typical Cost
£10k – £35k
Approval Speed
24–48 hours
Subject to separate DVSA site approval
Rates From
5.3% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical mot bay equipment price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £24,000: a 10% deposit of £2,400, then 48 monthly payments of £506 at 5.9% APR representative (fixed). Total amount payable £26,688, 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 |
|---|---|---|
| Class 1 & 2 MOT Bay (Motorcycle) | £10,000 – £15,000 | Motorcycle MOT Bay |
| Class 4 MOT Bay (Cars & Light Commercials) | £25,000 – £35,000 | Class 4 MOT Bay |
| Class 7 MOT Bay (Larger Commercials) | £21,000 – £32,000 | Class 7 MOT Bay |
| Headlamp Beam Tester | £700 – £1,500 | Beam Tester |
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Check EligibilityMOT bay equipment, including brake testers, headlamp beam setters, emissions analysers and the lift itself, is moveable plant and machinery and generally qualifies 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. Fixed building works needed to prepare a bay, such as pit construction or ventilation, are treated separately, as they become part of the property.
Setting up an MOT test bay is a significant equipment investment, and the specification required depends entirely on the vehicle test class a garage applies to run, motorcycle classes 1 and 2, car and light commercial class 4, or larger commercial vehicle class 7, each requiring a different combination of brake tester, lift, emissions equipment and headlamp beam setter. Every piece of equipment used for MOT testing must appear on the DVSA's published list of approved testing equipment, which is a procurement and approval matter set by the regulator rather than a finance consideration, but it directly determines which specific products a garage can buy and finance for a given test class. Equipment is generally sized to the busiest class a garage wants to test, and many garages later add capability for an additional class as demand and testing volumes grow, financing the incremental equipment needed rather than replacing the original bay.
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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