HGV Finance

Haydock Finance HGV Finance Rates October 2026

Compare Haydock Finance HGV and artic finance rates for October 2026. APR 6–16, minimum £10,000. Apply via Doulton Bridging Finance.

Rates updated October 2026

Current Rates - October 2026

Term	Representative APR	Monthly cost (£120k asset)	Deposit required	Decision speed
2 years	6%	~£5,400/mo	0–20%	24–48h
3 years	6–16	~~£4,080/mo	0–20%	24–48h
5 years	6–16	~£2,350/mo	10–20%	24–48h
7 years	Up to 16	~£1,920/mo	10–30%	24–48h

Representative examples only based on a £120,000 HGV/artic. Minimum facility £10,000. Actual rate depends on credit profile, asset age, deposit and operator history.

How Haydock Finance Compares in the HGV Finance Market

Haydock Finance is an active participant in the UK HGV and artic finance market. Underwriting decisions are based on a combination of credit profile, operator history, vehicle type and asset age. Presenting your application through a specialist broker ensures the strongest possible case is made to the lender's credit team.

Strengths

HGV specialist with deep experience in owner-driver artic finance
Sole traders and one-man-band hauliers actively considered
Older fleet vehicles and high-mileage artics assessed individually
Flexible on security structure for higher-risk profiles

Limitations

Rates higher than prime lenders - not competitive for established operators with clean credit
Maximum term 5 years, shorter than some competitors
Less technology-forward; decision process more manual and slower for simple cases

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FAQs

Frequently asked questions

Is Haydock Finance a specialist HGV lender?

Yes - HGV and commercial transport finance is a core part of Haydock's business. They have specific expertise in owner-driver artics, one-man-band haulage operations and complex haulage credit profiles.

What does Haydock Finance need from an owner-driver HGV application?

Typically: 6 months bank statements, proof of O-licence (or confirmation it is being applied for), haulage contracts or evidence of work in hand, and an invoice or valuation for the vehicle.

Does Haydock Finance accept sole traders for artic finance?

Yes - sole trader artic finance is a specific strength. Haydock assess affordability based on bank statements and contracts, not limited company accounts.

What is Haydock's maximum HGV age for finance?

Haydock will typically consider HGVs up to 10–12 years old at point of finance, depending on the loan amount and borrower profile. Older vehicles may require a larger deposit.

How do Haydock rates compare to Close Brothers for HGV finance?

Haydock's rates start slightly higher (6% vs 4.5%) but their credit appetite for complex owner-driver profiles is comparable. For marginal cases, submitting to both lenders simultaneously through a broker is worthwhile.

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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, vehicle and deposit. We act as a credit broker, not a lender. Your vehicle may be repossessed if you do not keep up repayments.