Rate Comparison - October 2026
| Scenario | Lender | Representative APR | Typical term | Notes |
|---|---|---|---|---|
| New MAN - promotional | MAN Financial Services | 4.5–10% | 3–5 years | Promotional rates on new MAN TGX and TGS through MAN dealers |
| New MAN - standard | MAN Financial Services | 4.5–10% | 2–5 years | Standard dealer finance |
| New or used MAN | Broker (Close Brothers / Lombard) | 4–12% | 1–7 years | Multi-lender comparison |
| Used MAN or adverse credit | Broker (Haydock / Time Finance) | 6–18% | 1–7 years | Specialist underwriting |
When MAN Financial Services Wins
- New MAN TGX or TGS with active promotional dealer rate
- MAN dealer package including warranty and maintenance
- MAN approved-used vehicles from franchise network
Manufacturer captive finance promotions on new vehicles are subsidised from the manufacturer's margin and cannot be replicated by independent lenders. If you are buying new and qualify for the promotional rate, MAN Financial Services will typically be the cheapest option available.
When an Independent Broker Wins
- Used MAN outside approved-used programme
- Scania, Volvo, DAF or Mercedes brands
- Adverse credit or owner-driver applications
- Multi-brand fleet operators
- Longer terms required beyond 5 years
Outside promotional windows, independent lenders are frequently competitive on new vehicles and almost always superior on used ones. A broker also gives you leverage to challenge the dealer on finance terms.
Our Verdict
Check the promotional rate. If it is genuinely sub-5% and you are buying new, take it. For everything else - used vehicles, adverse credit, multi-brand fleets or situations where you want to compare - contact Doulton Bridging Finance for a multi-lender comparison within hours.