PACCAR Financial (DAF) vs Broker - Rigid Truck Finance
Compare PACCAR Financial and broker rigid truck finance for DAF LF and CF trucks. Rates, criteria and when a broker wins. October 2026.
PACCAR Financial is the in-house finance arm of DAF Trucks, offering tailored HP and finance lease products for new and nearly new DAF rigid trucks. For buyers choosing between dealer finance and a broker arrangement, this guide sets out the key differences.
PACCAR Financial (DAF) - Indicative Rates October 2026
DAF Model
Finance Type
Indicative APR
Max Term
DAF LF 7.5t–12t (new)
Hire Purchase
3.9–7.5%
60 months
DAF LF 7.5t–12t (new)
Finance Lease
3.9–7%
60 months
DAF CF 18t–32t (new)
Hire Purchase
4.5–9.9%
60 months
DAF CF 18t–32t (new)
Finance Lease
4.5–9%
60 months
DAF used (ex-demo)
Hire Purchase
6–11%
48 months
Broker Access - What DBF Can Offer
Scenario
Broker Advantage
Lender Examples
New DAF, clean credit
May match or beat PACCAR - also competes on deposit flexibility
Close Brothers, Novuna, Lombard
Used DAF (3–10 yrs)
Broader choice; PACCAR appetite falls sharply
Close Brothers, Aldermore, Haydock
Adverse credit
Specialist lenders not available through PACCAR
Aldermore, Haydock, Time Finance
Sole trader / new business
More lender options, flexible deposit structures
Close Brothers, Haydock
Non-standard body
Lenders who assess whole-of-market appetite
Aldermore, Haydock
PACCAR Financial Strengths
Promotional rates on new DAF stock (sometimes sub-4%)
Seamless process through DAF dealer network
Strong knowledge of DAF residual values
Manufacturer-backed - reassuring for fleet managers
Where a Broker Adds Value
Multiple lender access - not limited to one funder
Used and older DAF rigids financed more easily
Adverse credit and start-up cases routinely handled
Independent advice - no incentive to push one product
Whole of market · 130+ lenders · FCA 814533 · Same working day response
FAQs
Frequently asked questions
What APR does PACCAR Financial offer on new DAF rigid trucks?
PACCAR Financial typically quotes 3.9–9.9% APR on new DAF LF and CF rigid trucks, with the keenest rates tied to promotional campaigns, deposit levels, and fleet volume.
Why would I use a broker instead of going direct to DAF finance?
A broker like DBF can access multiple lenders simultaneously - allowing us to potentially beat PACCAR's rate, find better terms on used DAF rigids, or secure funding where PACCAR decline due to credit profile or vehicle age.
Does PACCAR Financial finance used DAF rigid trucks?
PACCAR Financial primarily focuses on new and nearly new DAF vehicles. For older DAF rigids, broker access to lenders such as Close Brothers, Aldermore, or Haydock Finance is usually more effective.
Can a sole trader get DAF finance through PACCAR?
PACCAR Financial does lend to sole traders, but their criteria can be stricter than specialist lenders. A broker can route sole trader applications to the most appropriate panel lender.
What DAF rigid trucks does PACCAR Financial cover?
PACCAR Financial covers new DAF LF (7.5t–12t), DAF CF (18t–32t), and ex-demo vehicles across all body configurations.
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.
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