Spread the cost of an OCT scanner from £20,000 to £65,000 with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, oct scanners 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 £20,000 to £65,000, and most deals are written over 12–72 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
£20k – £65k
Approval Speed
24–48 hours
Bundle with test room fit-out
Rates From
4.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical oct scanner price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £38,000: a 10% deposit of £3,800, then 48 monthly payments of £802 at 5.9% APR representative (fixed). Total amount payable £42,296, 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 |
|---|---|---|
| Topcon Maestro2 | £28,000 – £42,000 | Widefield OCT and Fundus Camera |
| Zeiss Cirrus OCT | £35,000 – £60,000 | Spectral-Domain OCT |
| Compact single-purpose OCT scanner | £20,000 – £28,000 | Entry-Level OCT |
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Check EligibilityEquipment used wholly for the business qualifies for the Annual Investment Allowance (AIA), letting you deduct the qualifying cost of a OCT scanner from taxable profits in the year of purchase, up to the current AIA limit set by HMRC (check the current threshold with your accountant, as it can change). Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease and operating lease rentals are treated as a revenue expense and are usually fully deductible against profits, which is why many practices prefer leasing for equipment that needs replacing on a fixed cycle.
An OCT scanner is bought mainly by GOC-registered optical practices adding enhanced eye health imaging alongside a standard sight test, from an established independent extending its clinical offer to a multiple opening a new imaging-led site. Finance is the usual route because an OCT scanner is one of the larger single purchases most practices make, and spreading the cost keeps working capital free for staff and stock while the service beds in. Replacement is generally driven by newer scan technology and software becoming available rather than an existing scanner failing outright, and there is only a modest used market given how quickly imaging software moves on.
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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