Lendus.

Trailer Finance

Spread the cost of commercial trailers from £5,000 to £100,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Cost

£5k – £100k

Approval Speed

24 hours

Same-day for < £40k

Rates From

From 4.8% APR

Compare trailer finance rates from 200+ lenders

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Finance options

Hire Purchase (HP)

Rate
From 5.2% APR
Term
12–60 months
Deposit
10–20%
Ownership
Yours at the end
Best for
Hauliers wanting to own trailers outright

Finance Lease

Rate
From 4.8% APR
Term
12–60 months
Deposit
None required
Ownership
Return or buy (balloon payment)
Best for
Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate
From 5.5% APR
Term
24–60 months
Deposit
None required
Ownership
Return at end
Best for
Flex fleet size with demand. Off balance sheet.

Representative example

Borrow £30,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£624. Total amount payable: ~£29,952. Rates depend on your circumstances.

Popular models

Model Price Range Type
Ifor Williams LM166G £4,000 – £6,500 Flatbed Trailer
Montracon Curtainsider 13.6m £25,000 – £40,000 Curtain-Side
Gray & Adams Fridge Trailer £45,000 – £80,000 Refrigerated
SDC Box Trailer 13.6m £18,000 – £30,000 Box Trailer

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Tax benefits

Trailers qualify for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one — up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible.

Market context

Over 25,000 new commercial trailers are registered in the UK annually. The UK haulage industry operates approximately 500,000 trailers. Average trailer replacement cycle is 8–12 years.

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.

Compare rates from 200+ lenders — takes 2 minutes.

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Frequently asked questions

Can I finance a used trailer?
Yes. Most lenders finance used trailers up to 10 years old. Well-maintained trailers hold value well. An MOT/inspection report is typically required.
What deposit do I need?
For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit.
Can I finance a fleet of trailers?
Yes. Fleet finance is common for trailers. Bulk deals often secure better rates than individual purchases.
How quickly can I get trailer finance?
Most applications are approved within 24 hours. For deals under £40k, same-day approval is common.

Guides and resources

Ready to finance your trailer?

Compare rates from 200+ lenders. No credit check.

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