MAN Financial Services is the captive finance arm of MAN Truck & Bus UK, offering hire purchase and finance lease on new and used MAN TGL and TGM rigid trucks through the MAN dealer network. This page compares their proposition against broker-arranged finance.
MAN Financial Services - Indicative Rates October 2026
| MAN Model | Finance Type | Indicative APR | Max Term |
|---|---|---|---|
| MAN TGL 7.5t–12t (new) | Hire Purchase | 4.5–8% | 60 months |
| MAN TGM 12t–26t (new) | Hire Purchase | 5–10% | 60 months |
| MAN rigid (ex-demo) | Hire Purchase | 6–9% | 48 months |
| Finance Lease - new | Finance Lease | 4.5–9% | 60 months |
When to Use MAN FS vs a Broker
- MAN FS suits you if: You are buying a new MAN TGL or TGM, have clean credit, and want a streamlined dealer-integrated process.
- A broker suits you if: You want to compare across brands, are buying a used MAN over 5 years old, have any complexity around credit, or want independent advice on finance structure.
MAN FS Strengths
- Integrated process through MAN dealer network
- Competitive promotional rates on new stock
- MAN truck expertise in residual value assessment
- Service contract bundling available
Broker Advantages
- Multi-brand - funds Volvo, DAF, Iveco, Mercedes, all makes
- Better options for used MAN (5+ years)
- Adverse credit routes available through specialist lenders
- Independent advice with no captive product to sell