HGV Finance

Time Finance HGV Finance Rates October 2026

Compare Time Finance HGV and artic finance rates for October 2026. APR 6–18, 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%	Same day–48h
3 years	6–18	~~£4,350/mo	0–20%	Same day–48h
5 years	6–18	~£2,350/mo	10–20%	Same day–48h
7 years	Up to 18	~£1,920/mo	10–30%	Same day–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 Time Finance Compares in the HGV Finance Market

Time 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

Adverse credit specialist - CCJs, defaults and IVAs actively considered
Start-up haulage businesses considered with deposit and supporting evidence
Manual underwriting for non-standard profiles and complex cases
One of very few lenders accessible to recently discharged bankrupts

Limitations

Higher rates reflect the non-prime credit segment - not suitable for clean-credit operators
Maximum facility lower than mainstream lenders for the same asset
More documentation required for complex adverse profiles

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FAQs

Frequently asked questions

Does Time Finance accept CCJs for HGV finance?

Yes - Time Finance is specifically structured to consider applicants with CCJs, defaults, missed payments and other adverse credit markers. Each case is manually assessed. The older and more satisfied the CCJ, the better the outcome.

Can a start-up haulage company get HGV finance from Time Finance?

Yes - Time Finance considers start-up haulage operations, particularly where the director has relevant industry experience and can provide evidence of work in hand. A deposit of 25–30% is typically required.

What is the maximum APR charged by Time Finance on HGV finance?

Time Finance's rates range from 6% to 18% APR depending on credit profile, asset age and loan size. Most adverse credit HGV applications will sit in the 12–18% range.

Does Time Finance finance HGVs for operators in an IVA?

Time Finance is one of very few lenders who will consider applicants currently in an IVA. Terms will reflect the additional risk, and the IVA supervisor's consent is typically required for significant new borrowing.

How does Time Finance compare to Reward Funding for HGV finance?

Both sit in the sub-prime specialist segment. Time Finance has a larger maximum facility and more experience specifically in HGV lending. Reward Funding can be more flexible on very low loan values. A broker will identify the most appropriate lender for your profile.

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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.