Indicative rates, November 2026
| Equipment / asset | Finance type | Rate | Term |
|---|---|---|---|
| JCB 3CX backhoe loader | Hire purchase | From 5.5% APR | 2-5 years |
| JCB 4CX backhoe loader | Hire purchase | From 5.5% APR | 2-5 years |
| Loading shovel / wheeled loader | Hire purchase | From 5.5% APR | 3-5 years |
| Straight-tip site dumper | Finance lease | From 5.2% APR | 2-4 years |
| Swivel-tip site dumper | Finance lease | From 5.2% APR | 2-4 years |
| Skid steer loader | Hire purchase | From 5.5% APR | 2-4 years |
Worked example: JCB 3CX backhoe loader
| Asset value | £48,000 |
|---|---|
| Finance type | Hire purchase |
| Term | 4 years |
| Rate | 5.6% APR |
| Monthly payment | £1,118 |
| Total repayable | £53,664 |
| Total interest | £5,664 |
| Ownership | Outright at end of term |
Why finance through a broker?
- JCB dealer finance vs broker: broker typically 0.5-1.5% lower APR
- Machines to 12 years old funded on HP
- Fleet of 3+ assets: fleet rate available