Wheel Loader Quarry Finance

Large quarry-duty wheel loaders used to feed a crusher or manage stockpiles cost from around £150,000 for a mid-size machine to £380,000 for a big-bucket production loader, well above the cost of a general yard loader.

Can you finance a wheel loader quarry?

Yes, wheel loader quarrys 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 £150,000 to £380,000, 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

£150k – £380k

Approval Speed

24–48 hours

Same-day for straightforward deals

Rates From

5.4% - 9.9% per annum

What would a wheel loader quarry cost per month?

Wheel Loader Quarry price (ex VAT) £230,000

Deposit 10%

Agreement term 60 months

Annual interest rate 9%

Balloon payment £0

Your estimate

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

Pre-filled with a typical wheel loader quarry price. Indicative only, not a quote.

Finance options

Hire Purchase (HP)

Rate: 5.9% - 9.9% per annum
Term: 12-84 months
Deposit: 10-20%
Ownership: Yours at the end
Best for: Quarries running a loader continuously to feed a crusher hopper and manage stockpiles

Finance Lease

Rate: 5.4% - 8.9% per annum
Term: 12-84 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Operators adding loading capacity while a processing line's throughput requirement grows

Operating Lease

Rate: 6.4% - 9.9% per annum
Term: 24-60 months
Deposit: None required
Ownership: Return at end
Best for: Businesses that want production loaders off balance sheet and upgraded on a fixed cycle

Representative example

On a purchase price of £230,000: a 10% deposit of £23,000, then 48 monthly payments of £4,852 at 5.9% APR representative (fixed). Total amount payable £255,896, 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
Medium production wheel loader (4-6m3 bucket)	£150,000 - £230,000	Quarry Wheel Loader
Large production wheel loader (6-9m3 bucket)	£230,000 - £320,000	Quarry Wheel Loader
Big-bucket face loader (9m3+ bucket)	£320,000 - £380,000	Quarry Wheel Loader

Tax benefits

A quarry 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 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.

Market context

Quarry-duty wheel loaders are bought to feed a primary crusher hopper and manage stockpiles continuously through a working shift, which puts far more hours and load-cycle stress on the machine than a general yard or waste-transfer loader sees, hence the higher specification and cost. Buyers are quarry operators, large recycling sites and mineral processors running the loader as one of the busiest machines on site. Financing is standard given the ticket price, and replacement is driven by hours on the transmission and tyres rather than age, with a strong used export market for loaders kept on a full service history.

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.

Frequently asked questions

Why does a quarry wheel loader cost more than a general yard loader?

A quarry loader is built for continuous, heavy-cycle duty feeding a crusher hopper or managing high-volume stockpiles, which means a bigger bucket, a heavier-duty transmission and axles, and a chassis engineered for far more hours per year than a general warehouse or waste-transfer loader sees. That extra specification is reflected directly in the purchase price, and it's also why a general-purpose loader wouldn't hold up long in continuous quarry duty.

Can I finance a used quarry wheel loader?

Yes, and there's a genuinely active international used market for these machines. Lenders will check hours, transmission condition and tyre wear, and a documented service history from an authorised dealer will support better terms. Quarry loaders are often exported after their first working life in the UK, so a well-maintained used machine can still find a strong resale value at the end of your term.

What bucket size do I need to keep pace with my crusher?

Bucket size is generally matched to your crusher's hopper capacity and your target tonnes-per-hour throughput, since a loader that's too small becomes the bottleneck in the process while an oversized bucket wastes capital. Your equipment supplier can size this against your specific crusher and site layout, and getting it right before financing avoids either constraining output or overpaying for capacity you won't use.

Is a quarry wheel loader eligible for Annual Investment Allowance?

Yes, a wheel loader qualifies as plant and machinery, so it's eligible for AIA up to the current annual limit under Hire Purchase, which is significant given typical quarry loader values. Leased loaders don't attract AIA directly, but the rental is usually deductible as a business expense instead. It's worth planning purchase timing with your accountant given how much a single machine can represent of an annual AIA allowance.