Wheel loaders cost from around £60,000 for a compact machine to £220,000 for a large yard loader, typically financed by quarries, waste and groundworks businesses.
Yes, wheel 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 £60,000 to £220,000, and most deals are written over 12-84 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
£60k – £220k
Approval Speed
24–48 hours
Same-day for straightforward deals
Rates From
4.5% - 8.4% per annum
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical wheel loader price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £110,000: a 10% deposit of £11,000, then 48 monthly payments of £2,320 at 5.9% APR representative (fixed). Total amount payable £122,360, 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 |
|---|---|---|
| Volvo L60H | £95,000 - £130,000 | Medium Wheel Loader |
| Caterpillar 926 | £90,000 - £125,000 | Medium Wheel Loader |
| JCB 435S | £110,000 - £150,000 | Large Wheel Loader |
| Volvo L120H | £160,000 - £220,000 | Heavy Wheel Loader |
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Check EligibilityA wheel loader is treated as plant and machinery for tax purposes, so it qualifies for the Annual Investment Allowance (AIA), letting a business deduct the full cost from taxable profits in the year of purchase, up to the current £1,000,000 annual limit. Companies buying new, unused equipment may also qualify for full expensing, a 100% first-year deduction against Corporation Tax. These allowances apply where you own the asset, so they are available under a Hire Purchase agreement. Under a Finance Lease or Operating Lease you do not own the wheel loader outright, so allowances are not claimed directly; instead the payments are generally deducted as a business expense against profits. Always confirm treatment with your accountant before committing to a structure.
Wheel loaders are bought mainly by quarries, waste transfer sites, builders' merchants and civil engineering contractors who need to move loose material continuously rather than dig it, which is where a loader outperforms an excavator. Ownership tends to make sense once a business has a fixed yard or site where the loader works daily; businesses with more variable needs are more likely to hire. Replacement is driven by tyre and drivetrain wear from constant loading cycles, and the used market is strong internationally because wheel loaders are relatively simple to inspect and export.
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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