Agricultural Finance

UTV & Side-by-Side Vehicle Finance for Farms

UTVs and side-by-side vehicles have transformed farm operations. This guide explains finance options, rates and lenders for models including the Polaris Ranger, John Deere Gator and Can-Am Defender.

Why UTVs Have Become Farm Essentials

Utility task vehicles (UTVs) offer the load-carrying capacity of a small trailer combined with the off-road capability of an ATV. Modern models carry 500–800kg and can tow over a tonne, making them indispensable for livestock work, spraying, fencing and estate management. Finance allows you to acquire the latest models without large capital outlay.

Popular UTV Models and Finance Acceptance

Model	Typical Value	Lender Acceptance	Notes
Polaris Ranger 1000	£16,000–£22,000	All panel lenders	Strong resale, widely accepted
John Deere Gator HPX	£18,000–£28,000	All panel lenders	Dealer finance also available - compare
Can-Am Defender	£17,000–£24,000	All panel lenders	Strong brand, good residuals
Kubota RTV-X1110	£20,000–£30,000	All panel lenders	Diesel, excellent for heavy farm use
Honda Pioneer 700	£14,000–£18,000	All panel lenders	Reliable workhorse
Older / non-mainstream UTV	Varies	Aldermore, Shawbrook	Specialist assessment required

UTV Finance Rates - October 2026

Lender	From (APR)	Max Term	Max Asset Age
Black Horse	5.7%	60 months	5 years
Close Brothers	6.1%	60 months	7 years
Shawbrook	6.2%	60 months	5 years
Aldermore	6.4%	60 months	10–12 years

HP vs Finance Lease for UTVs

Hire Purchase is the most common choice for UTVs. You own the vehicle at the end of the term, there are no mileage restrictions, and you can claim capital allowances. Finance Lease is worth considering for VAT-registered farms wanting to spread VAT recovery across the term rather than reclaim it as a lump sum. Speak to your accountant and we can structure the agreement accordingly.

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FAQs

Frequently asked questions

Does dealer UTV finance compete with broker finance?

Dealer finance is convenient but is rarely the cheapest option. Dealers typically earn a commission on the finance rate, meaning the rate offered is not always the best available. We compare across our full lender panel.

Can I finance a UTV alongside other farm equipment?

Yes - we can arrange a suite of facilities for multiple pieces of farm equipment simultaneously, sometimes under a single master facility, simplifying administration and potentially securing better overall terms.

What happens if my UTV is damaged during the finance term?

The asset must be insured for its full replacement value throughout the finance term. In the event of a total loss, your insurer pays the settlement to the finance company, and any shortfall or surplus is reconciled with you. We can recommend agricultural insurance specialists if required.

Can I add a UTV to an existing agricultural finance facility?

This depends on the lender and the terms of your existing facility. In many cases a new separate agreement is simpler. Contact us and we will review your existing arrangements.

Is there a penalty for repaying UTV finance early?

Most HP agreements allow early settlement, though a settlement figure (which may include an early repayment charge) will apply. Finance leases are generally less flexible on early termination. We will always show you the early settlement terms before you commit.

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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.