HGV Finance

Shawbrook Bank HGV Finance Rates October 2026

Compare Shawbrook Bank HGV and artic finance rates for October 2026. APR 5–13, 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	5%	~£5,400/mo	0–20%	24–48h
3 years	5–13	~~£3,750/mo	0–20%	24–48h
5 years	5–13	~£2,350/mo	10–20%	24–48h
7 years	Up to 13	~£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 Shawbrook Bank Compares in the HGV Finance Market

Shawbrook Bank 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

Specialist appetite for used and older HGVs outside mainstream lender criteria
Non-mainstream vehicle types including specialist plant-carrying rigids
Manual underwriting allows complex cases to be assessed on merit
Competitive rates for near-prime cases with older assets

Limitations

Not the cheapest for new vehicles or prime credit - mainstream lenders win there
Less well known in the HGV sector than Close Brothers or Lombard
Maximum term shorter than some competitors for older assets

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FAQs

Frequently asked questions

Does Shawbrook Bank finance HGVs?

Yes - Shawbrook Bank is an active HGV and commercial vehicle lender with a particular strength in used vehicles and non-standard asset types. Their manual underwriting makes them well suited to cases that mainstream lenders decline.

What vehicle age does Shawbrook accept for HGV finance?

Shawbrook will consider HGVs up to around 12–15 years old depending on the loan size and borrower profile. Older assets typically require a larger deposit and may carry higher rates.

Does Shawbrook finance specialist HGVs like tankers or car transporters?

Shawbrook's manual underwriting extends to a range of specialist vehicle types including tankers, car transporters, refrigerated rigids and flatbed articulated units. Each is assessed on its merits.

How does Shawbrook compare to Aldermore for HGV finance?

Both are specialist lenders with similar credit appetite. Shawbrook has a slight edge on older or more unusual asset types; Aldermore is sometimes marginally better for newer businesses or adverse credit. A broker will assess both.

What credit profile does Shawbrook Bank require?

Shawbrook considers a range of credit profiles including near-prime and some adverse credit cases. They are not a sub-prime specialist - for CCJs or active defaults, Time Finance or Reward Funding may be more appropriate.

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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.