Agricultural Finance

Trailed Sprayer Finance: Rates & Guide

A guide to financing trailed sprayers in the UK - lender rates, deposit requirements, terms, and brand coverage. Updated October 2026.

APR (new) From 6.0%

Min. deposit (new) 10%

Available terms 2–5 yrs

Covered All brands

Trailed Sprayer Finance Rates - October 2026

Indicative hire purchase APR for new and used trailed sprayers via our lender panel. Rates vary by borrower credit profile, asset age, loan-to-value, and term.

Lender	New Trailed Sprayer	Used (up to 5 yrs)	Used (5–10 yrs)	Typical deposit
Lombard	From 6.0%	From 6.5%	Case-by-case	10–15%
Black Horse	From 6.1%	From 6.8%	From 7.5%	10–15%
Close Brothers	From 6.4%	From 7.0%	From 7.8%	10–20%
Aldermore	From 6.8%	From 7.4%	From 8.0%	15–20%

Indicative APR for hire purchase, October 2026. Subject to status. Rates depend on borrower profile, asset age, and loan size.

Common Trailed Sprayer Brands We Finance

UX and UX Super series

Amazone trailed sprayers are widely used in UK arable farming. Strong residual values and widespread availability support lender appetite for both new and used machines. Compare Amazone Finance vs Broker →

Leeb and Flex series

HORSCH trailed sprayers hold value well and are popular in larger arable operations. Our panel lenders have good appetite for HORSCH equipment at competitive rates. Compare HORSCH Finance vs Broker →

Hardi, Bateman, John Deere & more

We finance all major brands of trailed sprayer. If your chosen machine is not listed, contact us - our panel lenders are typically brand-agnostic for well-maintained equipment.

Finance Options for Trailed Sprayers

Own the sprayer outright

The most common structure. Pay a deposit and monthly instalments. You own the sprayer at term end. Asset appears on your balance sheet.

Off-balance-sheet

Lender owns the asset; you pay a rental. Lower monthly outgo than HP. Upgrade or extend at the end of the primary period.

Release equity

Own a trailed sprayer outright? We can arrange a sale and leaseback to release capital for working capital or further investment.

Trailed vs Self-Propelled - Finance Comparison

Factor	Trailed Sprayer	Self-Propelled Sprayer
Typical asset value	£30,000–£150,000	£150,000–£500,000+
APR from	6.0%	5.8%
Minimum deposit	10%	10–15%
Lender appetite (used)	Strong	Moderate
Deal complexity	Straightforward	Larger - more underwriting

See our full self-propelled sprayer finance guide for more detail.

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FAQs

Frequently asked questions

What APR can I get for a trailed sprayer?

Indicative APR for trailed sprayer hire purchase starts from around 6.0–6.4% for new equipment via Lombard or Black Horse, rising to 6.5–7.5% for older used models or businesses with shorter trading histories.

What is the difference between a trailed and self-propelled sprayer for finance purposes?

Trailed sprayers are typically lower in value (£30,000–£150,000 vs £150,000–£500,000 for self-propelled), which affects lender appetite, deposit requirements, and minimum deal thresholds. Most lenders have a lower floor for trailed sprayer financing.

Can I finance an Amazone or HORSCH trailed sprayer?

Yes. Our lenders will finance all leading brands of trailed sprayer including Amazone, HORSCH, Hardi, Bateman, and John Deere, subject to age and condition.

What deposit do I need for a trailed sprayer?

Typically 10% for new trailed sprayers and 15–20% for used, depending on lender and asset age. Lower deposit options may be available for strong credit profiles.

Is hire purchase or lease better for a trailed sprayer?

For most farms, hire purchase is preferable as it leads to ownership and allows the sprayer to remain on the balance sheet as a depreciating asset. Finance lease suits businesses wishing to upgrade more frequently.

Self-Propelled Sprayer Finance Agricultural finance Agricultural Finance Lender Comparison Asset finance calculator

Asset finance for business purposes is not regulated by the FCA. Rates shown are indicative as at October 2026 and depend on credit profile, term, asset and deposit. We act as a credit broker, not a lender. Your asset may be repossessed if you do not keep up repayments.