Lendus.

Road Roller Finance

Ride-on road rollers range from around £28,000 for a small tandem roller to £120,000 for a large single-drum machine, usually financed by groundworks and surfacing contractors.

Can you finance a road roller?

Yes, road rollers 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 £15,000 to £120,000, and most deals are written over 12-84 months with a deposit of around 10-20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.

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Typical Cost

£15k – £120k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

4.5% - 8.4% per annum

What would a road roller cost per month?

£45,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical road roller price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
4.9% - 7.9% per annum
Term
12-84 months
Deposit
10-20%
Ownership
Yours at the end
Best for
Businesses that want to keep a roller permanently available for surfacing work

Finance Lease

Rate
4.5% - 7.4% per annum
Term
12-84 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Businesses that want lower upfront cost on a machine used seasonally; payments are usually deductible as an operating expense

Operating Lease

Rate
5.4% - 8.4% per annum
Term
24-60 months
Deposit
None required
Ownership
Return at end
Best for
Businesses that want to keep the road roller off balance sheet and upgrade regularly

Representative example

On a purchase price of £45,000: a 10% deposit of £4,500, then 48 monthly payments of £949 at 5.9% APR representative (fixed). Total amount payable £50,052, 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
Bomag BW 120 AD-5 £28,000 - £40,000 1.2-Tonne Tandem Roller
Bomag BW 135 AD-5 £38,000 - £52,000 1.5-Tonne Tandem Roller
Bomag BW 213 £85,000 - £115,000 12-Tonne Single Drum Roller
Ammann ASC110 £70,000 - £95,000 10-Tonne Single Drum Roller

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Tax benefits

A road roller is treated as plant and machinery for tax purposes, so it qualifies for the Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 annual limit. Companies buying new, unused equipment may also qualify for full expensing, a 100% first-year deduction against Corporation Tax. These allowances apply where you own the asset, so they are available under a Hire Purchase agreement. Under a Finance Lease or Operating Lease you do not own the road roller outright, so allowances are not claimed directly; instead the payments are generally deducted as a business expense against profits. Always confirm treatment with your accountant before committing to a structure.

Market context

Road rollers are bought mainly by groundworks, surfacing and civil engineering firms with steady compaction workloads, while smaller contractors more often hire one for the few days a job needs it. Businesses that finance tend to be those running rollers across multiple sites year-round, where owning removes repeated hire costs. Replacement is driven by drum and bearing wear plus the total vibration hours logged, and the used market is active because rollers have few complex electronics and are straightforward for independent engineers to recondition.

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 road roller?
Yes. Most lenders finance rollers up to around 10 years old, and because the mechanics are simple, a competent engineer's inspection is usually sufficient rather than a formal valuation. Rates for used rollers typically sit slightly above new-equipment finance, and older single-drum machines may need a larger deposit if hours are high. Whatever the age of the road roller, a clear paper trail showing how it has been maintained and used will always work in your favour when negotiating price and terms.
What term suits a road roller's working life?
A 4 to 6 year term is common, reflecting how long a well-maintained roller stays reliable before drum bearings and hydraulics need major work. Contractors with seasonal surfacing workloads sometimes prefer a shorter term so the agreement doesn't outlast the machine's usefulness on the jobs they typically win. Getting the term broadly right for a road roller matters more than chasing the lowest possible monthly payment, since a mismatch either strains cashflow early on or leaves you paying for a machine that has already become expensive to keep running.
Is a road roller eligible for Annual Investment Allowance?
Yes, a road roller qualifies as plant and machinery, so it's eligible for AIA up to the current annual limit under a Hire Purchase agreement, letting you write off the full cost against profits in year one. Lease payments don't qualify for AIA but are usually deductible as a business expense instead. It is worth confirming the treatment with your accountant at the point of purchase, since claiming the allowance in the year you buy the road roller rather than spreading relief over several years can make a real difference to that year's tax bill.
What happens at the end of the agreement?
HP hands you full ownership once the last payment clears. A Finance Lease usually lets you pay a balloon to keep the roller, continue renting at a reduced rate, or return it. Operating Lease is return-only, which suits businesses whose roller sits idle outside surfacing season and would rather not own it long-term. Which option suits best usually comes down to whether you expect to keep using this exact road roller for years to come, or whether you are likely to want a newer or different-specification machine within a few years.
Do I need a deposit?
Hire Purchase generally asks for 10-20% deposit, while Finance Lease and Operating Lease usually need none. Given how seasonal roller use can be, some contractors prefer a lower deposit and a term that matches their busiest months, keeping cash free during quieter periods. If cash is tight when the road roller is needed, ask the lender whether the deposit can be reduced in exchange for a marginally higher rate; this is often negotiable, particularly for an established trading business.

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