Spread the cost of refrigerated vehicles from £25,000 to £120,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.
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Typical cost range
£25,000 – £120,000
Average: £55,000
Finance available
HP · Lease · Refinance
From 4.8% APR
Approval speed
24–48 hours
Same-day for < £50k
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Finance Options for Refrigerated Vehicles
Hire Purchase (HP)
RateFrom 5.2% APR
Term12–60 months
Deposit10–20%
OwnershipYours at the end
Best for: Businesses wanting to own the vehicle outright
Finance Lease
RateFrom 4.8% APR
Term12–60 months
DepositNone required
OwnershipReturn or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit
Operating Lease
RateFrom 5.5% APR
Term24–48 months
DepositNone required
OwnershipReturn at end
Best for: Keep your cold chain fleet up to date. Off balance sheet.
Popular Refrigerated Vehicle Models & Costs
Mercedes Sprinter Fridge Van£40,000 – £60,000Large Fridge Van
Ford Transit Custom Fridge£32,000 – £48,000Medium Fridge Van
Peugeot Boxer Fridge Van£28,000 – £42,000Medium Fridge Van
Tax Benefits of Refrigerated Vehicle Finance
Refrigerated vehicles qualify for Annual Investment Allowance (AIA), letting you deduct the full purchase cost from taxable profits in year one — up to £1,000,000. The refrigeration unit and vehicle can both be claimed. Lease payments are fully deductible as a business expense.
UK Refrigerated Vehicle Market
The UK cold chain logistics market is worth £15bn annually. Demand for refrigerated vehicles has grown 11% since 2022, driven by online grocery delivery. Over 90,000 refrigerated vehicles are registered on UK roads.
Frequently Asked Questions
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