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Stacker Truck Finance

Spread the cost of a warehouse stacker truck from £2,500 to £15,000 with flexible finance options. HP, lease, or contract hire, compare rates from 40+ lenders.

Can you finance a stacker truck?

Yes, stacker trucks 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 £2,500 to £15,000, 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.

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2-minute application
No credit check to apply
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Typical Cost

£3k – £15k

Approval Speed

24 hours

Same-day for single units

Rates From

6.0% APR

What would a stacker truck cost per month?

£7,000
10%
60 months
9%
£0

Your estimate

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

Pre-filled with a typical stacker truck 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
Businesses wanting to own the stacker 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

Contract Hire

Rate
From 7.0% APR
Term
24–48 months
Deposit
None required
Ownership
Return at end
Best for
Fixed monthly cost with servicing included

Representative example

On a purchase price of £7,000: a 10% deposit of £700, then 48 monthly payments of £148 at 5.9% APR representative (fixed). Total amount payable £7,804, 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
Semi-Electric Pallet Stacker £2,500 – £5,000 Semi-Electric Stacker
Linde L-Series Powered Stacker £3,500 – £7,000 Powered Pallet Stacker
Jungheinrich EJC Series £4,000 – £8,500 Electric Straddle Stacker
Toyota BT Staxio Series £4,500 – £9,000 Reach-Leg Stacker

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Tax benefits

Stacker trucks qualify for the Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in the year of purchase. Hire purchase lets you claim capital allowances as you own the asset from day one. Finance lease and contract hire payments are treated as a revenue expense and are usually fully deductible against profits.

Market context

Stacker trucks are bought by small warehouses, retail stockrooms, light manufacturers and trade counters that need to lift and move palletised goods without the cost and footprint of a full counterbalance forklift. Because the entry price is relatively low, many buyers pay outright, but plenty still choose hire purchase or a short lease to keep cash free for stock, and contract hire is available where a business wants servicing bundled into a fixed monthly cost rather than handling repairs itself. Lead-acid batteries remain common at this end of the market because the trucks are usually single-shift, but lithium-ion is increasingly specified where a stacker needs to be available across two shifts without a battery change. Replacement tends to follow hours run and battery condition, and there is a wide, active used market for stacker trucks given how many are sold each year.

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

Is a stacker truck worth financing given the lower purchase price?
Many buyers do pay cash for a stacker given the lower price compared with a forklift, but hire purchase or a lease still makes sense where a business would rather keep working capital for stock, wages or premises costs. Spreading a few thousand pounds over 24 to 48 months keeps the monthly outlay low, and because rates on lower-value equipment are broadly similar to larger trucks, the finance cost is usually modest relative to the cash-flow benefit of not paying upfront.
Semi-electric or fully powered, does it change the finance?
The finance process is the same either way, but the price difference affects the monthly payment. A semi-electric stacker, where lifting is powered but travel is manual, costs less than a fully powered straddle or reach-leg model, so it carries a lower deposit and monthly cost on hire purchase. The right choice usually comes down to how far pallets need to travel and how often the truck is used, which is worth discussing with your supplier before choosing the specification to finance.
Can I finance a used stacker truck?
Yes, used stacker trucks up to around eight years old are financeable with most lenders, and given the depth of the used market there is usually a good choice of age and condition available. Rates are typically a little higher than new, and very low-value used trucks may be easier to finance on a shorter term.
What deposit is typical for a stacker truck?
Hire purchase usually asks for 10 to 20 percent deposit, though on lower-value trucks some lenders will accept a smaller amount given the modest overall exposure. Finance lease and contract hire typically require no deposit. Because the ticket price is relatively low, the deposit itself is often a few hundred pounds rather than a significant sum, which is one reason smaller businesses find stacker finance straightforward to arrange.
How quickly can stacker truck finance be approved?
Most applications are approved within 24 hours given the lower value involved, and same-day approval is common for established businesses buying a single unit. Newer businesses or larger multi-unit orders may take a little longer while the lender reviews trading history.

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