Lendus.

Salon Chair Finance

Spread the cost of styling and backwash chairs from £1,500 to £40,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.

Can you finance a salon chair?

Yes, salon chairs 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 £1,500 to £40,000, and most deals are written over 12–48 months with a deposit of around 10–20%. 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

£2k – £40k

Approval Speed

24 hours

Same-day for < £15k

Rates From

6.0% APR

What would a salon chair cost per month?

£8,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical salon chair price. Indicative only, not a quote.

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Finance options

Hire Purchase (HP)

Rate
From 6.5% APR
Term
12–48 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Salon owners wanting to own their chairs outright

Finance Lease

Rate
From 6.0% APR
Term
12–48 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax efficient; claim 100% of payments against profit

Operating Lease

Rate
From 6.8% APR
Term
24–36 months
Deposit
None required
Ownership
Return at end
Best for
Refresh chairs every few years to keep the salon looking current. Off balance sheet.

Representative example

On a purchase price of £8,000: a 10% deposit of £800, then 48 monthly payments of £169 at 5.9% APR representative (fixed). Total amount payable £8,912, 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
REM Cascade Styling Chair (x6) £4,000 – £7,000 Styling Chairs
Takara Belmont Yume Backwash Chair £3,000 – £5,500 Backwash Chair
Maletti Styling Chair (x4) £3,500 – £6,500 Styling Chairs
Full Styling Row (x8 chairs) £12,000 – £24,000 Complete Styling Row

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Tax benefits

Salon and backwash chairs are moveable equipment and generally qualify for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. This applies to the chairs themselves rather than any plumbing or fixed basin work needed to install a backwash unit, which is treated separately as it becomes part of the building. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost instead.

Market context

Salon chairs are typically financed by salon owners opening a new site, adding chairs to grow capacity, or replacing worn seating as part of a wider refresh. Styling chairs see constant daily use and heavy contact with hair products, so most salons replace them on a shorter cycle than other furniture, commonly every four to six years, while backwash chairs with plumbed basins are usually replaced less often because the surrounding plumbing work makes swapping them more disruptive. A styling chair is a freestanding, moveable asset, which is why it is straightforward to finance; a backwash unit's basin and taps are fixed to the plumbing, so while the chair itself can be financed as equipment, any associated plumbing alteration work is usually a separate cost outside the finance agreement.

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 chairs for a new salon that hasn't opened yet?
Yes, though options are more limited under two years of trading. Most lenders will still consider a new salon, typically asking for a personal guarantee and a copy of your signed lease. Evidence of relevant industry experience, even if this is your first salon as an owner, can help an application for a newer business. A clear business plan and evidence of the funds available for any shortfall between the finance and the total project cost will generally strengthen an application from a newer business.
Can I finance both styling and backwash chairs together?
Yes. Most lenders will finance styling chairs and backwash chairs on the same agreement provided they are on one supplier invoice. The chairs themselves are financed as equipment; any plumbing work to install or move a backwash basin is usually a separate builder's cost and is not typically included in the equipment finance. A specialist broker comparing quotes across multiple lenders can usually confirm which product and rate best fits your specific circumstances within the same working day.
Do I need landlord permission to install salon chairs?
Freestanding styling chairs do not usually need landlord consent, since they are not fixed to the building. If you are installing a backwash chair that requires new plumbing, it is worth confirming with your landlord first, since altering the water and drainage in a leased unit is more likely to fall under the lease's alterations clause than a freestanding chair would.
Can I finance used or refurbished salon chairs?
Yes, most lenders will finance used chairs, typically up to five years old, and refurbished chairs from an established salon equipment supplier. This is a common way for a new salon to fit out a full styling row on a tighter budget while still spreading the cost over a term. It is worth asking the supplier for the equipment's service history and any remaining warranty before you apply, since this can affect both the rate offered and how quickly the lender is willing to approve the finance.
How quickly can I get salon chair finance?
Most applications are approved within 24 hours. For orders under £15,000, same-day approval is common, which suits salons working to a fixed opening date. Full styling row orders across multiple chairs may take slightly longer while the lender confirms the full supplier quote. Where a quote mixes new and used salon chair, or covers more than one site, it is sensible to allow a little extra time while the lender reviews the full specification before releasing funds.

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