Tipper Truck Finance

Q: Can I finance a used tipper truck?

Yes. Most lenders finance used tippers up to 10 years old. An independent valuation is typically required for vehicles over 5 years old. Rates for used tippers are typically 0.5–1% higher than new.

Q: What deposit do I need?

For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. A larger deposit lowers your monthly payments and can improve your rate.

Q: How quickly can I get tipper truck finance?

Most applications are approved within 24–48 hours. Straightforward deals under £75k may get same-day approval. Larger or more complex deals typically take 3–5 working days.

Q: Do I need to have been trading for a minimum period?

Most lenders require 2+ years of trading history. Newer businesses can still access finance but may need a personal guarantee or higher deposit, especially for higher-value tippers.

Spread the cost of tipper trucks from £30,000 to £120,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

Typical Cost

£30k – £120k

Approval Speed

24–48 hours

Same-day for < £75k

Rates From

From 4.6% APR

Finance options

Hire Purchase (HP)

Rate: From 5.0% APR
Term: 12–72 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Businesses wanting to own the tipper outright

Finance Lease

Rate: From 4.6% APR
Term: 12–72 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate: From 5.3% APR
Term: 24–60 months
Deposit: None required
Ownership: Return at end
Best for: Ideal for project-based work. Off balance sheet.

Representative example

Borrow £55,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£1,144. Total amount payable: ~£54,912. Rates depend on your circumstances.

Popular models

Model	Price Range	Type
DAF LF Tipper 7.5t	£45,000 – £65,000	Rigid Tipper
Mercedes Arocs Tipper	£75,000 – £110,000	8-Wheeler Tipper
Isuzu Grafter Tipper	£30,000 – £45,000	3.5t Tipper
Volvo FMX Tipper	£85,000 – £120,000	Heavy Tipper

Tax benefits

Tipper trucks qualify for Annual Investment Allowance (AIA), letting you deduct the full purchase cost from taxable profits in year one — up to £1,000,000. HP agreements allow capital allowances claims. Lease rentals are fully deductible as a business expense.

Market context

The UK tipper truck market is closely tied to the £170bn construction sector. Demand for tippers has grown 8% year-on-year, driven by infrastructure projects. The average tipper truck covers 40,000 miles per year in the UK.

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. Our eligibility check uses a soft search only — no impact on your credit score.

Frequently asked questions

Can I finance a used tipper truck?