Current Self-Propelled Sprayer Finance Rates - October 2026
The following table compares indicative rates across our lender panel for new and used self-propelled sprayers. Rates depend on deal size, borrower profile, and asset age.
| Lender | New (large ticket) | New (standard) | Used (up to 5 yrs) | Best suited to |
|---|---|---|---|---|
| Lombard | From 5.8% | From 6.1% | From 6.5% | Large new purchases (£150k+) |
| Black Horse | From 5.9% | From 6.2% | From 6.5% | Established businesses, clean credit |
| Close Brothers | From 6.2% | From 6.5% | From 6.8% | New and used, wider eligibility |
| Aldermore | From 6.6% | From 6.9% | From 7.2% | Flexible underwriting, adverse history |
Indicative APR rates for hire purchase, October 2026. Subject to status. Rates vary by deal size, term, deposit, and borrower profile.
Finance Options for Self-Propelled Sprayers
Most popular for sprayers
You pay a deposit and monthly instalments. At the end of the term you own the sprayer outright. VAT is paid upfront (or via a VAT deferral), and the asset appears on your balance sheet.
Off-balance-sheet option
The lender owns the asset; you lease it. Lower monthly payments than HP. At the end of the primary term you can extend, sell the asset, or upgrade. Tax treatment differs from HP.
Upgrade every few years
The lender carries residual value risk. Monthly costs are lower, and you return the sprayer at term end. Suitable for businesses that want to upgrade to newer technology regularly.
Key Brands We Finance
Our panel lenders will finance self-propelled sprayers from all leading manufacturers operating in the UK market, including HORSCH, John Deere, Case IH, Agrifac, Amazone (self-propelled models), Fendt, and others. Brand does not restrict lender appetite - asset age and value are the primary underwriting criteria.
Useful links
HORSCH Finance vs Independent Broker - detailed comparison for HORSCH buyers.
Amazone Finance vs Independent Broker - for Amazone trailed sprayer buyers.
Seasonal Repayment Structures
Self-propelled sprayers are primary arable assets, and most UK arable farms have strongly seasonal income. Our lenders - particularly Lombard and Close Brothers - will structure repayments to reflect this, with:
- Lower monthly payments during winter (Oct–March)
- Higher payments aligned with harvest income (July–Sept)
- Annual capital payment options for some facilities
- Payment holidays in the first season (subject to lender and deal size)
Rates and criteria by lender
How each lender and manufacturer finance scheme on our panel prices this asset in October 2026, and where it fits. Rates are indicative; we compare them all for your case.
Aldermore Sprayer Finance Rates
Rates are indicative APR ranges for UK agricultural businesses funding sprayers via hire purchase or finance lease. Individual rates depend on credit profile, trading history, and asset specification.
| Asset Type | Condition | Term | Indicative APR | Typical Deposit |
|---|---|---|---|---|
| Self-Propelled Sprayer | New | 3–5 years | From 6.6% | 10–15% |
| Self-Propelled Sprayer | Used (up to 6 yrs) | 2–4 years | From 7.2% | 15–20% |
| Trailed Sprayer | New | 3–5 years | From 6.8% | 10% |
| Trailed Sprayer | Used | 2–4 years | From 7.4% | 15–20% |
| Sprayer Refinance | Existing owned asset | 2–4 years | From 7.0% | N/A |
Black Horse Sprayer Finance Rates
Indicative hire purchase APR ranges sourced through Doulton Bridging Finance. Actual rates depend on borrower credit profile, asset age, and loan amount.
| Asset Type | Condition | Term | Indicative APR | Typical Deposit |
|---|---|---|---|---|
| Self-Propelled Sprayer | New | 3–5 years | From 5.9% | 10% |
| Self-Propelled Sprayer | Used (up to 5 yrs) | 2–4 years | From 6.5% | 15% |
| Self-Propelled Sprayer | Used (5–8 yrs) | 2–3 years | From 7.2% | 20% |
| Trailed Sprayer | New | 3–5 years | From 6.1% | 10% |
| Trailed Sprayer | Used | 2–4 years | From 6.8% | 15% |
Close Brothers Sprayer Finance Rates
Rates shown are indicative hire purchase APR ranges for UK agricultural businesses. Actual rates depend on trading history, credit profile, asset age, and loan-to-value.
| Asset Type | Condition | Term | Indicative APR | Typical Deposit |
|---|---|---|---|---|
| Self-Propelled Sprayer | New | 3–5 years | From 6.2% | 10–15% |
| Self-Propelled Sprayer | Used (up to 5 yrs) | 2–4 years | From 6.8% | 15–20% |
| Self-Propelled Sprayer | Used (5–10 yrs) | 2–3 years | From 7.5% | 20–25% |
| Trailed Sprayer | New | 3–5 years | From 6.4% | 10% |
| Trailed Sprayer | Used | 2–4 years | From 7.0% | 15–20% |
Lombard Sprayer Finance Rates
Lombard is particularly competitive for large-ticket new sprayer purchases. Rates below are indicative for hire purchase and finance lease facilities sourced through Doulton Bridging Finance.
| Asset Type | Condition | Ticket Size | Indicative APR | Term |
|---|---|---|---|---|
| Self-Propelled Sprayer | New | £150,000+ | From 5.8% | 3–5 years |
| Self-Propelled Sprayer | New | £100,000–£150,000 | From 6.1% | 3–5 years |
| Self-Propelled Sprayer | Used (up to 5 yrs) | £80,000+ | From 6.5% | 2–4 years |
| Trailed Sprayer | New | £50,000+ | From 6.0% | 3–5 years |
| Trailed Sprayer | New | Under £50,000 | From 6.4% | 2–4 years |
Amazone Finance vs Independent Broker
Doulton Bridging Finance can source hire purchase or lease finance for the full current range of Amazone trailed sprayers - including the UX and UX Super series - through our panel of agricultural lenders. We match your business profile to the most appropriate lender and present your case in its best light.
| Factor | Amazone Captive Finance | Independent Broker (DBF) |
|---|---|---|
| Rate range | Promotional rates available; standard from ~6.5%+ | From 5.8–6.4% via panel lenders |
| Lender choice | Single lender (tied) | Multiple lenders - best for your profile |
| Repayment flexibility | Dealer-set structure | Seasonal, stepped, annual options |
| Used sprayer finance | Often new models only | New and used, multiple makes |
| Broker fee | None direct | None direct (lender-paid) |
| Independence of advice | Dealer-aligned | Whole-of-market, FCA regulated |
| Speed | Decision at point of sale | Typically 24–48 hrs |
| Credit file impact | Single search | Single targeted submission |
HORSCH Finance vs Independent Broker
HORSCH's self-propelled sprayer range - led by the Leeb and PW series - represents significant capital investment, often £200,000–£500,000 for a new machine. At this ticket size, the difference between a competitive independent rate and a dealer's captive rate can be substantial over a 4-year term. Our lenders are particularly competitive at the large-ticket end.
| Factor | HORSCH Dealer Finance | Independent Broker (DBF) |
|---|---|---|
| Rate range | Varies by dealer; typically 6.0%+ | From 5.8% via our panel |
| Lender choice | Single lender (dealer-tied) | Multiple lenders competed |
| Self-propelled sprayer finance | Available at dealer | Available - all major lenders |
| Trailed sprayer finance | Available at dealer | Available - wider lender choice |
| Seasonal repayments | Limited flexibility | Fully tailored to your harvest cycle |
| Used HORSCH equipment | Often new only via captive | New and used across all brands |
| Advice independence | Dealer-aligned | FCA-regulated, whole-of-market |
| Broker cost to you | None direct | None direct (lender-paid) |