Komatsu Financial is the Japanese manufacturer's finance arm for its UK dealer network. For WA200, WA320, and WA380 wheel loaders bought new from an authorised UK Komatsu dealer, they offer a realistic finance option. For used equipment or mixed fleets, an independent broker typically secures better terms.
Komatsu Financial vs Independent Broker - Wheel Loader Comparison
| Factor | Komatsu Financial | Independent Broker (DBF) |
|---|---|---|
| Indicative Rate | 4.5–10% | 4.0–14% |
| Equipment covered | New Komatsu from authorised dealer | New & used, all brands |
| Used Komatsu WA200/WA320/WA380 | Not available | HP from panel lenders |
| Non-Komatsu brands | Not available | Cat, Volvo, JCB, Liebherr |
| Mixed fleet facility | Komatsu units only | Full multi-brand fleet |
Key Komatsu Wheel Loader Models
Komatsu's most commonly financed UK wheel loaders include: WA200-8 (3t, approx £90,000–£115,000 new), WA320-8 (6t, approx £140,000–£165,000), and WA380-8 (7.5t, approx £185,000–£220,000). Komatsu also produces the WB93R-8 backhoe loader (approx £70,000–£85,000), which competes with the JCB 3CX and Cat 428.
Komatsu Financial wins when
- New Komatsu from UK authorised dealer
- Promotional rate is running
- Clean credit, simple company structure
- Single new unit - speed of point-of-sale matters
Broker wins when
- Used WA200, WA320, or WA380
- Fleet includes Cat, Volvo, or other brands
- Adverse credit or limited trading history
- Better rate required than dealer quote
- Komatsu WB93R backhoe in mixed plant application