Haydock Finance is a specialist commercial vehicle lender with a pragmatic underwriting approach and genuine appetite for a wide range of rigid trucks - including older vehicles and more complex credit profiles. They are a key panel lender for DBF when mainstream options are unsuitable.
Haydock Finance Rigid Truck Rates - October 2026
| Finance Type | Indicative APR | Term | Min Deposit |
|---|---|---|---|
| HP - new/nearly new rigid | 6–9% | 24–60 months | 10% |
| HP - used rigid (up to 10 yrs) | 8–13% | 24–48 months | 15% |
| HP - older rigid (10–15 yrs) | 11–16% | 12–36 months | 20% |
| Finance Lease | 6–12% | 24–60 months | N/A |
| Sole trader / challenging credit | 10–16% | 12–48 months | 20% |
Haydock Finance Borrower Profile
- Sole traders, limited companies, and partnerships
- New businesses to established operators
- Adverse credit considered on a case-by-case basis
- Owner-operators buying their first or second truck
Vehicle Types Accepted
- All standard rigid body types - curtainsiders, box, flat bed, refrigerated
- Older vehicles (up to 15 years at end of term)
- Non-standard configurations reviewed individually
- 7.5t through to 32t GVW
Advantages
- Flexible on vehicle age - up to 15 years accepted
- Sole traders and small operators welcomed
- Adverse credit considered case-by-case
- Wide range of body types funded
Limitations
- Higher rates than prime lenders on clean credit profiles
- Older asset/adverse credit combinations attract highest rates
- Less competitive than Novuna or Lombard on new rigid trucks