Mercedes-Benz Financial Services offers manufacturer-subsidised finance lease from 4.7% APR and hire purchase from 5.1% APR on the new Actros - one of the most competitive captive rates in the UK truck market. This page covers MBFS rates, the full MB Trucks range, and when independent finance delivers better outcomes.
MBFS Rates by Model - October 2026
Actros
4.7% Finance Lease APR from
Actros
5.1% Hire Purchase APR from
Arocs
5.0% Hire Purchase APR from
Atego
5.3% Hire Purchase APR from
| Vehicle | Finance Type | Rate From (APR) | Available On | Restrictions |
|---|---|---|---|---|
| New Actros (tractor unit / rigid) | Finance Lease | 4.7% | New MB via authorised dealer | Promotional periods; balloon applies |
| New Actros | Hire Purchase | 5.1% | New MB via authorised dealer | Standard credit; dealer purchase only |
| New Arocs (construction / tipper) | Hire Purchase | 5.0% | New MB via authorised dealer | Standard credit |
| New Atego (distribution) | Hire Purchase | 5.3% | New MB via authorised dealer | Standard credit |
| Used MB trucks | N/A (limited exceptions) | ~7.5%+ (no subsidy) | MB approved used programme only | Very limited; not standard product |
| Non-MB vehicles | N/A | Not available | N/A | MB brand only |
| Adverse credit | N/A | Not available | N/A | Standard credit assessment only |
The Mercedes-Benz Trucks Range
MBFS covers the full Mercedes-Benz Trucks commercial vehicle range available in the UK. Each model serves a distinct application:
Actros - Long-Distance and Regional Haulage
The Actros is the flagship MB truck for motorway and long-distance haulage, competing directly with the Volvo FH, DAF XF and Scania R series. Available as a 4x2 tractor unit, 6x2 and 6x4 configurations. The Actros L cab is the premium specification for driver comfort on long-haul routes. The eActros 600 electric variant - rated at approximately 500 km range - is also financeable through MBFS, though on different terms from the diesel product. MBFS Finance Lease at 4.7% APR applies primarily to standard diesel Actros configurations.
Arocs - Construction and Tipper
The Arocs is MB's specialist off-road and construction range, built for tippers, mixers, crane trucks and site-work applications where the Actros's road-focus would be a mismatch. Available in a wide range of axle configurations up to 8x8. The Arocs hire purchase rate from 5.0% APR is competitive for specialist construction vehicle finance.
Atego - Urban Distribution
The Atego fills the 7.5–18 tonne segment - urban distribution, last-mile delivery and multi-drop routes where a full HGV would be impractical. The Atego competes with Volvo FL, DAF LF and MAN TGL. MBFS finance at 5.3% APR covers the Atego range through the dealer network.
Independent Finance: What MBFS Cannot Do
The limitations of any captive finance product are structural - they are determined by the manufacturer's commercial purpose, not by underwriting philosophy. MBFS exists to sell Mercedes-Benz trucks to qualifying businesses. Anything outside that brief is outside their product scope:
MBFS Strengths
- Lowest available rate on new MB trucks
- Actros, Arocs and Atego all covered
- Finance lease with balloon on Actros
- Arranged at the dealership - convenient
- Strong dealer after-sales and service packages available alongside finance
Where Independent Wins
- Used trucks of any brand
- Mixed fleet (MB + Volvo + DAF etc.)
- Adverse credit - CCJ, defaults, arrears
- Sole traders, new businesses
- Auction and private sale purchases
- Refinancing existing vehicles
- Complex business structures / SPVs
- Non-MB brand additions to fleet
MBFS vs Independent: Rate Comparison
| Scenario | MBFS Rate | Independent (DBF Panel) | Verdict |
|---|---|---|---|
| New Actros - HP, clean credit, MB dealer | 5.1% | 6.2% (Close Brothers) | MBFS wins on rate |
| New Actros - Finance Lease | 4.7% | 5.6% (Black Horse) | MBFS wins on rate |
| Used Actros (under 5 years) | Not available | 6.5% (Close Brothers) | Independent only option |
| Mixed fleet (Actros + Volvo FH) | MB only | From 5.9% single facility | Independent only option |
| New Actros - adverse credit | Declined | Case by case (Aldermore) | Independent only option |
| New Actros - sole trader 12 months | Not accepted | From 6.5% (Aldermore) | Independent only option |
How to Get the Best Result
The most cost-effective approach for most Mercedes-Benz operators is not to choose between MBFS and independent finance - it is to use both intelligently. When buying a new Actros through the authorised dealer network with a clean credit profile, MBFS will typically deliver the lowest rate. Getting an independent comparison first takes no more than a day and gives you two things: a genuine check that the MBFS promotional rate is competitive, and negotiating leverage with the dealer if it is not.
When your requirements go beyond a straightforward new vehicle purchase from a MB dealer, Doulton Bridging Finance's panel will find a lender where MBFS has no product to offer.