Articulated Truck Finance
Finance for 44-tonne articulated trucks. Volvo FH, DAF XF, Scania R/S, Mercedes Actros, and MAN TGX funded on hire purchase, contract hire, or finance lease. Owner-operators, small fleets, and large logistics businesses.
The right structure for every articulated truck requirement
Volvo FH Finance
Finance for the full Volvo FH range - FH500, FH540 I-Shift, and FH750. New and used Volvo artics. Specialist CV lenders familiar with Volvo residual values and the Volvo Financial Services market.
DAF XF Finance
DAF XF480 and XF530. One of the most common artics in UK logistics. New and used - specialist lenders who understand DAF values and the strong used market for XF tractors.
Scania & Mercedes Finance
Scania R/S series and Mercedes Actros 1845/1848. Finance for individual units and fleet orders. Contract hire available with full maintenance packages.
Hire Purchase
Own the artic at the end of the term. Capital allowances claimable. Fixed monthly payments - the most common structure for owner-operators building their asset base.
Contract Hire
Fixed monthly rental with maintenance, tyres, and breakdown cover included. No residual value risk. The preferred structure for fleet managers focused on predictable total cost of ownership.
Trailer Finance
Finance the trailer alongside the tractor unit as a combined package - curtainsider, flatbed, refrigerated trailer, and specialist configurations all financed through the same facility.
How it works
Vehicle details
Manufacturer, model, engine output, gearbox type, year, and mileage. New or used. Whether tractor only or combined tractor/trailer package.
Terms sourced
Specialist commercial vehicle lenders. Decisions within 24 hours for established hauliers, same-day for very strong applications.
Approval
Operator licence, fleet experience, and business profile. Owner-operators and fleet businesses of all sizes are accommodated.
Delivery
We settle with the dealer. The artic is delivered and ready to earn.
Ready to discuss Articulated Truck Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Can I get artic finance as an owner-operator?
Yes - owner-operators are among the most common artic finance applicants. Specialist CV lenders understand the owner-operator model and fund new and experienced owner-operators.
What is the minimum mileage accepted on a used artic?
There is no fixed minimum - used artics are assessed on age, condition, service history, and market value. A high-mileage artic in excellent condition from a reputable operator is often a stronger application than a lower-mileage neglected vehicle.
Can I finance the trailer separately from the tractor?
Yes - trailers can be financed separately or as part of a combined tractor/trailer package. We advise on which structure produces the best overall terms.
Is contract hire better than hire purchase for artics?
Depends on your priorities. Contract hire gives predictable costs and no residual value risk but no asset ownership. Hire purchase builds asset value and allows capital allowances but carries residual value risk. We advise on both.
Can I refinance an artic I already own?
Yes - owned artics in good condition are strong refinance assets. We arrange sale and leaseback to release capital from your existing fleet.
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Before you commit to a structure
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