PACCAR Financial is the captive finance arm of PACCAR Inc, parent company of DAF Trucks. They offer trailer financing through DAF dealer networks and selected partner dealers. For certain new trailer purchases from DAF-affiliated sources, PACCAR can offer competitive terms. But for the majority of UK trailer operators - who typically buy Schmitz Cargobull, Krone, Kögel, or Wielton trailers from independent dealers - a specialist broker is the better route.
PACCAR Financial Trailer Finance - Overview
| Product | Rate Range | Coverage | Condition |
|---|---|---|---|
| New trailer via DAF/PACCAR network | Competitive - varies | Selected trailer brands | DAF partner dealer |
| Bundle with DAF tractor unit | Potentially enhanced | New trailer + new tractor | Both from PACCAR network |
When PACCAR Financial Wins
- Buying a new trailer through a DAF dealer or PACCAR partner
- Bundling with a new DAF tractor unit for a combined facility
- A promotional rate or fleet deal is available through the network
When a Broker Wins
- Buying a Schmitz, Krone, Kögel, Wielton, Montracon or SDC trailer (most of the market)
- Buying from an independent trailer dealer not affiliated with PACCAR
- Buying a used trailer
- You have adverse credit
- You want to compare multiple lender rates
- Your tractor unit is not a DAF - you're buying the trailer standalone
The Reality: Most UK Trailers Aren't DAF-Network
The UK curtainsider market is dominated by Schmitz Cargobull, Krone, and Kögel - none of which are in the PACCAR/DAF network. If you're buying from an independent trailer dealer, PACCAR Financial is simply not available, and a specialist broker is your route to competitive rates from lenders such as Close Brothers, Lombard, Shawbrook, or Aldermore.