Spread the cost of trucks from £30,000 to £150,000+ with flexible finance options. HP, lease, or refinance
Yes, 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 £30,000 to £150,000, and most deals are written over 12–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£30k – £150k
Approval Speed
24–48 hours
Same-day for < £75k
Rates From
4.5% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical truck price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £75,000: a 10% deposit of £7,500, then 48 monthly payments of £1,582 at 5.9% APR representative (fixed). Total amount payable £83,436, 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 |
|---|---|---|
| DAF LF 7.5t | £45,000 – £70,000 | Rigid Truck |
| Mercedes Actros | £85,000 – £130,000 | Articulated Truck |
| Volvo FH | £90,000 – £140,000 | Articulated Truck |
| Iveco Eurocargo | £40,000 – £65,000 | Medium Rigid |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
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 you to claim capital allowances. Lease payments are typically fully deductible as a business expense.
Trucks, from rigid vehicles to full artics, are bought by haulage companies, distributors and any business running its own heavy transport rather than outsourcing it, spanning a single rigid for a local delivery business to a tractor unit fleet for a national haulier. Finance is the default route because trucks depreciate steadily and represent a major capital outlay, and a lease or hire purchase agreement matched to the vehicle's working life avoids tying up cash a haulage business needs for fuel and drivers. Replacement is driven by mileage, warranty expiry and tightening emissions standards, with operators planning renewals around contract cycles. A deep used truck market keeps residual values predictable.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.