Rate Comparison - October 2026
| Scenario | Lender | Representative APR | Typical term | Notes |
|---|---|---|---|---|
| New Scania - promotional | Scania Financial Services | 4.5–10% | 3–5 years | Promotional rates on new Scania R and S series through Scania dealers |
| New Scania - standard | Scania Financial Services | 4.5–10% | 2–5 years | Standard dealer finance |
| New or used Scania | Broker (Close Brothers / Lombard) | 4–12% | 1–7 years | Multi-lender comparison |
| Used Scania or adverse credit | Broker (Haydock / Time Finance) | 6–18% | 1–7 years | Specialist underwriting |
When Scania Financial Services Wins
- New Scania R or S series with active dealer promotional rate
- Scania dealer service and maintenance package bundled with finance
- Strong residual value track record on new Scania stock
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, Scania Financial Services will typically be the cheapest option available.
When an Independent Broker Wins
- Used Scania outside the approved-used programme
- DAF, Volvo, MAN or Mercedes brands
- Adverse credit or owner-driver sole traders
- Multi-brand fleet operators
- Very long-term finance (6–7 years) requirements
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.