Spread the cost of skip loader gear, or a complete skip loader vehicle, from £15,000 to £90,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, skip loaders 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 £90,000, and most deals are written over 36–72 months with a deposit of around 10–20%. Decisions typically take 3–5 working days. Used machines are financeable too, usually with a shorter term.
Typical Cost
£15k – £90k
Approval Speed
3–5 working days
Same-day for standalone gear under £20k
Rates From
5.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical skip loader price. Indicative only, not a quote.
Compare skip loader finance rates from 200+ lenders
Check EligibilityOn a purchase price of £40,000: a 10% deposit of £4,000, then 48 monthly payments of £844 at 5.9% APR representative (fixed). Total amount payable £44,512, 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 |
|---|---|---|
| Hydraulic skip loader gear, body only, fitted to an existing chassis | £15,000 – £28,000 | Skip Loader Gear |
| Complete skip loader vehicle, mid-weight chassis | £45,000 – £65,000 | Mid-Weight Skip Loader Vehicle |
| Complete skip loader vehicle, heavy-duty multi-skip chassis | £65,000 – £90,000 | Heavy-Duty Skip Loader Vehicle |
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Check EligibilitySkip loader gear is plant and machinery, so when financed on its own, fitted to a chassis the business already owns or is financing separately, it qualifies for the Annual Investment Allowance, letting a business deduct the full cost from taxable profits in the year of purchase, up to £1,000,000, under Hire Purchase. Where a complete skip loader vehicle is bought as one unit, chassis and loader gear together, it is generally treated under commercial vehicle capital allowance rules rather than as separate plant, so check the invoice structure with your accountant.
Skip hire and waste management operators buy skip loader gear, and complete skip loader vehicles, to lift and transport loaded skips between customer sites and disposal or recycling facilities. Whether the hydraulic loading gear is financed separately from an existing chassis or bought as part of a complete vehicle affects how the finance is structured, since gear fitted to a chassis the business already owns is treated as standalone plant, while a complete new vehicle is assessed more like a commercial vehicle purchase. Replacement is generally driven by hydraulic wear on the loading arms and hook mechanism after years of heavy daily cycles, or an operator renewing the chassis underneath ageing loader gear that itself still has useful life left. A functional used market exists for both loader gear removed from a retired chassis and complete used skip loader vehicles, particularly from operators who refresh their fleet on a fixed cycle.
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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