Quad Bike Finance

Q: Can I finance a used quad bike?

Yes. Most lenders will finance a used farm quad up to around 8 years old, subject to its condition, mileage and service history rather than age alone. Because so many quads are sold on through the used market each year, both agricultural and leisure buyers, lenders are generally comfortable financing well-known models like the Honda and Yamaha ranges where there's a clear ownership history and a V5C logbook to check against. A private sale with no service record is likely to face more scrutiny than one bought from a dealer, so it's worth having documentation ready, including proof of any attachments or accessories fitted, before you apply.

Q: Do I need safety equipment like a crush protection device to get finance?

Lenders don't require it as a condition of the finance itself, but the Health and Safety Executive strongly recommends fitting a crush protection device and wearing a helmet for farm quad use, given how many serious accidents happen on quads used daily on uneven ground. It's worth budgeting for this alongside the purchase rather than treating it as an optional extra to add later, and some suppliers will quote a crush protection device as part of the same invoice as the quad, which means it can potentially be included in the finance agreement itself rather than paid for separately. Ask your supplier to itemise it on the quote if you want this option.

Q: What deposit is typical for a quad bike?

For hire purchase, most lenders ask for a deposit of 10-20% of the quad's price, though given how relatively low-cost most farm quads are compared with other machinery financed on this site, some farms choose to pay outright rather than arrange finance at all. Where finance is used, a lower deposit is often achievable on a well-known model like a Honda or Yamaha, since these hold their value well and give the lender confidence in the security behind the loan. Financing a quad alongside a trailer or other attachment as one facility can also affect the deposit structure, so it's worth discussing the full package with the lender rather than the quad alone.

Q: Can I finance a quad bike alongside a trailer or sprayer attachment?

Yes. Many lenders will finance a quad together with common attachments such as a trailer, sprayer, or topper as one facility rather than as separate agreements, which suits a farm setting up a complete quad-based work package in one go. This is usually simpler to arrange than financing each item separately, and it can be more cost-effective overall since there's only one facility to administer. Attachments are generally itemised on the same supplier invoice as the quad itself, so make sure your dealer breaks down the cost of each item clearly when you apply, since this also matters for how the agreement is valued if you come to part-exchange later.

Q: Is a quad bike financed differently to other farm equipment?

Yes. Because a quad bike is a registered road vehicle, it's typically financed as vehicle hire purchase or a vehicle-specific lease rather than under general agricultural asset finance, even when it will mostly be used off-road on the farm. Whether it needs to be taxed, insured for road use, and what licence category the rider needs depends on how and where it's actually used, a quad used only on private land is treated differently to one that also crosses or travels along public roads, so it's worth telling the lender your intended use pattern rather than assuming it will be treated purely as farm machinery. This can affect both the paperwork required and how quickly the application is processed.

Q: Can I finance a quad bike I'll use to offer paid guided rides or hire it out to the public?

This is a different case to a farm using its own quad for its own estate work, often described as hire and reward rather than own-account use, and it needs to be flagged to the lender and your insurer from the outset rather than assumed to be covered by a standard farm quad policy. Insurance and finance underwriting both look more closely at a quad used commercially to carry paying customers or that's hired out to members of the public, since the risk profile is different to a farm employee using the same machine for stock checking. Tell your broker this is the intended use as early as possible, since it may steer you toward a different lender or a different finance product than a standard farm quad application.

Spread the cost of farm quad bikes from £5,000 to £18,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a quad bike?

Yes, quad bikes 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 £5,000 to £18,000, and most deals are written over 12–48 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

£5k – £18k

Approval Speed

24–48 hours

Same-day for < £100k

Rates From

5.4% APR

What would a quad bike cost per month?

Quad Bike price (ex VAT) £9,000

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

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

Pre-filled with a typical quad bike price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: From 5.9% APR
Term: 12–48 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Farms wanting to own the quad outright

Finance Lease

Rate: From 5.4% APR
Term: 12–48 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient, a lower-value asset suited to a shorter term

Operating Lease

Rate: From 6.2% APR
Term: 24–36 months
Deposit: None required
Ownership: Return at end
Best for: Farms wanting to replace quads regularly given their intensive daily use

Representative example

On a purchase price of £9,000: a 10% deposit of £900, then 48 monthly payments of £190 at 5.9% APR representative (fixed). Total amount payable £10,020, including the deposit. The rate you are offered depends on your business and the asset.

Machine or specification	Guide price	Type
Honda TRX420 Fourtrax	£6,000 – £9,000	Utility Quad Bike
Yamaha Grizzly 700	£9,000 – £12,500	High-Power Utility Quad Bike
Can-Am Outlander 570	£8,000 – £11,500	Utility Quad Bike
Honda TRX520 Farm Quad	£11,000 – £18,000	Premium Utility Quad Bike

Tax benefits

Farm quad bikes qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP gives access to capital allowances; lease payments are fully deductible from farming profits where the quad is used for business purposes.

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.

Frequently asked questions

Can I finance a used quad bike?

Yes. Most lenders will finance a used farm quad up to around 8 years old, subject to its condition, mileage and service history rather than age alone. Because so many quads are sold on through the used market each year, both agricultural and leisure buyers, lenders are generally comfortable financing well-known models like the Honda and Yamaha ranges where there's a clear ownership history and a V5C logbook to check against. A private sale with no service record is likely to face more scrutiny than one bought from a dealer, so it's worth having documentation ready, including proof of any attachments or accessories fitted, before you apply.

Do I need safety equipment like a crush protection device to get finance?

Lenders don't require it as a condition of the finance itself, but the Health and Safety Executive strongly recommends fitting a crush protection device and wearing a helmet for farm quad use, given how many serious accidents happen on quads used daily on uneven ground. It's worth budgeting for this alongside the purchase rather than treating it as an optional extra to add later, and some suppliers will quote a crush protection device as part of the same invoice as the quad, which means it can potentially be included in the finance agreement itself rather than paid for separately. Ask your supplier to itemise it on the quote if you want this option.

What deposit is typical for a quad bike?

For hire purchase, most lenders ask for a deposit of 10-20% of the quad's price, though given how relatively low-cost most farm quads are compared with other machinery financed on this site, some farms choose to pay outright rather than arrange finance at all. Where finance is used, a lower deposit is often achievable on a well-known model like a Honda or Yamaha, since these hold their value well and give the lender confidence in the security behind the loan. Financing a quad alongside a trailer or other attachment as one facility can also affect the deposit structure, so it's worth discussing the full package with the lender rather than the quad alone.

Can I finance a quad bike alongside a trailer or sprayer attachment?

Yes. Many lenders will finance a quad together with common attachments such as a trailer, sprayer, or topper as one facility rather than as separate agreements, which suits a farm setting up a complete quad-based work package in one go. This is usually simpler to arrange than financing each item separately, and it can be more cost-effective overall since there's only one facility to administer. Attachments are generally itemised on the same supplier invoice as the quad itself, so make sure your dealer breaks down the cost of each item clearly when you apply, since this also matters for how the agreement is valued if you come to part-exchange later.

Is a quad bike financed differently to other farm equipment?

Yes. Because a quad bike is a registered road vehicle, it's typically financed as vehicle hire purchase or a vehicle-specific lease rather than under general agricultural asset finance, even when it will mostly be used off-road on the farm. Whether it needs to be taxed, insured for road use, and what licence category the rider needs depends on how and where it's actually used, a quad used only on private land is treated differently to one that also crosses or travels along public roads, so it's worth telling the lender your intended use pattern rather than assuming it will be treated purely as farm machinery. This can affect both the paperwork required and how quickly the application is processed.

Can I finance a quad bike I'll use to offer paid guided rides or hire it out to the public?

This is a different case to a farm using its own quad for its own estate work, often described as hire and reward rather than own-account use, and it needs to be flagged to the lender and your insurer from the outset rather than assumed to be covered by a standard farm quad policy. Insurance and finance underwriting both look more closely at a quad used commercially to carry paying customers or that's hired out to members of the public, since the risk profile is different to a farm employee using the same machine for stock checking. Tell your broker this is the intended use as early as possible, since it may steer you toward a different lender or a different finance product than a standard farm quad application.

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