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Pallet Truck Finance

Spread the cost of powered pallet trucks from £3,500 to £6,000+ with flexible finance options. HP, lease, or refinance – compare rates from 40+ lenders.

Can you finance a pallet truck?

Yes, pallet trucks 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 £3,500 to £6,000, and most deals are written over 12–36 months with a deposit of around None required. Decisions typically take 24 hours. Used machines are financeable too, usually with a shorter term.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£4k – £6k

Approval Speed

24 hours

Same-day for < £10k

Rates From

5.4% APR

What would a pallet truck cost per month?

£4,500
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical pallet truck price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 5.8% APR
Term
12–36 months
Deposit
None required
Ownership
Yours at the end
Best for
Businesses wanting to own a low-value asset outright with simple, fixed payments

Finance Lease

Rate
From 5.4% APR
Term
12–36 months
Deposit
None required
Ownership
Return, refinance the balloon, or buy at the end
Best for
A tax-deductible way to spread even a modest purchase across its working life

Contract Hire

Rate
From 6.0% APR
Term
12–24 months
Deposit
None required
Ownership
Return at the end
Best for
Businesses adding a few pallet trucks to a wider warehouse equipment agreement

Representative example

On a purchase price of £4,500: a 10% deposit of £450, then 48 monthly payments of £95 at 5.9% APR representative (fixed). Total amount payable £5,010, 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
Toyota BT Levio Electric Pallet Truck £3,500 – £5,500 1,000–2,000kg Capacity
Linde MT15 Electric Pallet Truck £4,000 – £6,000 1,500kg Capacity
Jungheinrich EJE Electric Pallet Truck £3,800 – £5,800 1,600kg Capacity
Crown WP Electric Pallet Truck £3,600 – £5,600 Electric Pallet Truck

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Tax benefits

Powered pallet trucks qualify as plant and machinery, so the Annual Investment Allowance covers the full cost in year one, up to £1,000,000, which comfortably covers a purchase of this size on its own. Given the relatively low value involved, many businesses buy pallet trucks outright rather than finance them individually; finance is more commonly used when ordering several at once, or bundling them into a wider agreement covering other warehouse equipment such as reach trucks or racking.

Market context

Powered pallet trucks are bought by warehouses, retailers, and distribution operations moving palletised stock over short distances, typically as a cheaper and more manoeuvrable alternative to a full forklift or reach truck for straightforward loading, unloading, and order-picking tasks. Because the unit cost is relatively low, many businesses buy several at once to equip a warehouse or replace an ageing batch together, which is where finance is most commonly used, spreading a bulk purchase rather than financing a single unit. Battery type (lead-acid versus lithium) and charger compatibility are practical factors buyers weigh alongside price.

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 pallet truck?
Yes. Most lenders will finance a used pallet truck up to around 6 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 pallet truck finance?
For hire purchase, most lenders ask for None required deposit. Finance lease and contract hire agreements often need no deposit at all, since the lender keeps an interest in the pallet truck 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 pallet truck finance approved?
Straightforward applications for a pallet truck under £10k 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 pallet truck 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.
Is it worth financing something as low-value as a pallet truck?
For a single unit, many businesses simply buy a pallet truck outright, since the amount involved is modest and finance charges can outweigh the cash flow benefit on such a small purchase. Finance tends to make more sense when you're buying several pallet trucks at once, for example to equip a new warehouse or replace an ageing fleet together, or when you want to bundle them into a larger agreement alongside reach trucks or other handling equipment.

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