Types of Agricultural HGV Financed
Grain Lorries
Rigid and articulated grain lorries for on-farm and road haulage. Commonly DAF, Volvo, Mercedes-Benz and MAN.
Livestock Transport
HGV livestock trucks for cattle, sheep and pig transport. Welfare-compliant modern vehicles financed over 3–5 years.
Bulk Tipping Lorries
Used for muck spreading, sand, gravel and bulk agricultural inputs haulage on and off farm.
Farm Fleet Finance
Multiple-vehicle facilities for estate and large farming operations with several HGVs.
Agricultural HGV Finance Rates - October 2026
| Vehicle Type | Rate From | Term | Typical Deposit |
|---|---|---|---|
| New grain lorry (rigid) | From 5.9% APR | 36–60 months | 10–15% |
| Used grain lorry (<5 yrs) | From 6.4% APR | 24–60 months | 15–20% |
| New livestock truck | From 6.1% APR | 36–60 months | 10–15% |
| Used livestock truck | From 6.6% APR | 24–48 months | 15–20% |
| Articulated unit (new) | From 6.3% APR | 36–60 months | 15%+ |
| Older HGV (5–10 yrs) | From 7.2% APR | 24–36 months | 20–25% |
Agricultural HGV vs Commercial HGV Finance
Agricultural HGVs used primarily for farm operations are assessed differently to pure commercial haulage vehicles. Lenders consider the farming business's overall financial health rather than applying commercial haulage covenant testing. This often makes agricultural specialist lenders a better fit than mainstream commercial vehicle finance providers. Key differences:
- Agricultural underwriters understand seasonal income and do not penalise for months with lower revenue.
- Farm-owned HGVs used for mixed on-farm and road haulage are categorised by primary use - agricultural if predominantly farm-use.
- VAT treatment and capital allowance rules may differ - always confirm with your accountant or tax adviser.