Spread the cost of refrigerated vans from £28,000 to £58,000+ with flexible finance options. HP, lease, or refinance – compare rates from 40+ lenders.
Yes, refrigerated vans 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 £28,000 to £58,000, 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
£28k – £58k
Approval Speed
24–48 hours
Same-day for < £50k
Rates From
4.9% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical refrigerated van 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 |
|---|---|---|
| Ford Transit Fridge Van | £32,000 – £48,000 | 3.5t Chiller/Freezer |
| Mercedes-Benz Sprinter Fridge Van | £38,000 – £58,000 | 3.5t Multi-Temp |
| Volkswagen Crafter Fridge Van | £36,000 – £54,000 | 3.5t Chiller |
| Renault Master Fridge Van | £30,000 – £46,000 | 3.5t Freezer |
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Check EligibilityThe refrigeration conversion is normally invoiced alongside the base van and both qualify together for the Annual Investment Allowance, so the full cost can be deducted from taxable profits in year one, up to £1,000,000. VAT on hire purchase is generally due upfront on the combined invoice; on finance lease or contract hire it's spread across the rentals instead. Because a fridge conversion adds materially to the price of the vehicle, spreading the VAT and capital cost through a lease can ease cash flow more noticeably here than on a standard panel van.
Refrigerated vans are bought by food wholesalers, caterers, farm shops, pharmacies, and delivery operators moving anything that needs to stay chilled or frozen between collection and drop-off. Buyers typically finance the van and fridge conversion together as one asset, since the conversion can add a substantial amount to the purchase price. Replacement decisions are often driven by the refrigeration unit's age and refrigerant type as much as the vehicle's mileage, because an ageing compressor or an unsupported refrigerant gas can become expensive or difficult to service well before the chassis itself is due for renewal.
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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