Spread the cost of an industrial overlocker from £500 to £6,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, overlockers 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 £500 to £6,000, 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.
Typical Cost
£500 – £6k
Approval Speed
24 hours
Same-day for < £5k
Rates From
5.8% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical overlocker price. Indicative only, not a quote.
Compare overlocker finance rates from 200+ lenders
Check EligibilityOn a purchase price of £1,500: a 10% deposit of £150, then 48 monthly payments of £32 at 5.9% APR representative (fixed). Total amount payable £1,686, 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 |
|---|---|---|
| 3/4 Thread Industrial Overlocker (spec class, e.g. Jack, Juki) | £500 – £1,200 | 3/4 Thread Overlock |
| 5 Thread Safety Stitch Overlocker | £1,200 – £2,500 | 5 Thread Safety Stitch |
| Automated Overlock Production Cell | £2,500 – £6,000 | Multi-Machine Cell |
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Check EligibilityOverlockers are moveable equipment and generally qualify for Annual Investment Allowance, letting the full cost be deducted from taxable profits in the year of purchase. This covers the machine, its table, stand and motor. HP agreements let you claim capital allowances directly, while finance lease and operating lease payments are deducted as a running cost instead, which some growing garment businesses prefer while cash is tied up in stock and orders.
Overlockers are bought alongside a lockstitch machine by almost every garment manufacturer, upholsterer and alteration business, since seaming and edge finishing needs a dedicated machine rather than a single all-purpose one. A 3 or 4 thread machine covers most everyday seaming, while a 5 thread safety stitch machine is chosen where a stronger, more durable seam is needed, such as workwear or heavier fabrics. Overlockers see continuous daily use in a production setting, so timing belts, loopers and knives wear steadily, and a well-maintained used machine from a reputable dealer is a common and sensible way to add a second or third machine without the cost of buying new.
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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