Truck Finance by Weight

26-Tonne Truck Finance - HP & Lease for 26t Rigid Trucks

The 26-tonne rigid is a popular choice for construction logistics, general haulage and waste management.

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Written by David Doulton · Last updated November 2026

The 26-tonne rigid is a popular choice for construction logistics, general haulage and waste management. With three axles, 26t rigids offer a significantly higher payload than 18t trucks while remaining more manoeuvrable than a 32t 8-wheeler. New 26t trucks cost approximately £90,000–£130,000. Common choices include the Mercedes-Benz Actros 26t, DAF CF 26t, MAN TGM 26t and Volvo FM 26t.

26-Tonne Truck Finance Rates - November 2026

GVW / Category	New Rate (HP)	Used Rate (HP)	Typical Term
26t rigid - new	From 5.4% APR	-	3–5 years
26t rigid - used (up to 5 years)	-	From 5.9% APR	3–5 years
26t tipper - new	From 5.5% APR	-	3–5 years
26t flatbed - new	From 5.4% APR	-	3–5 years

Rates indicative only. Subject to credit assessment, trading history, asset type, operator licence status and lender criteria. Doulton Money Limited FCA No. 814533. Commercial vehicle finance is not regulated by the FCA. Rates correct November 2026.

Common 26t Truck Models

Mercedes-Benz Actros 2530 - popular for construction and curtainsider work
DAF CF 26t - widely used in construction; good residuals
MAN TGM 26t - competitive pricing; reliable workhorse
Volvo FM 26t - premium build; popular with hauliers running mixed fleets
Scania P-Series 26t - strong residuals; popular in specialist sectors

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FAQs

Frequently asked questions

What is the difference between 26t and 32t for a rigid?

A 26t 6-wheeler (three axles) can carry approximately 16–18t payload. A 32t 8-wheeler (four axles) can carry approximately 20–22t. The 32t is more complex and expensive; the 26t is more manoeuvrable and popular for mixed urban and regional work.

What body types are most common on 26t trucks?

Curtainsider (most common for general haulage), flatbed (construction, abnormal loads), tipper (aggregates, waste), box van (retail distribution, chilled/frozen). Body type affects finance rate marginally - tippers and specialist bodies are fractionally higher.

What lenders specialise in 26t trucks?

Haydock Finance, Close Brothers and Lombard are all active in the 26t market. Manufacturer captive arms (Daimler Truck FS, DAF Financial Services) are relevant if buying new from a dealer.

Can I finance a 26t truck with a new business?

It is challenging but possible with the right approach. A larger deposit (25–35%), strong personal credit history and evidence of secured contracts can help. Talk to us - we know which lenders are most flexible.

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Doulton Money Limited t/a Doulton Bridging Finance. FCA No. 814533. Company No. 14303203. 20 Wenlock Road, London N1 7GU. Commercial vehicle finance is not regulated by the FCA. Rates indicative only. Subject to credit assessment, trading history, asset type, operator licence status and lender criteria. Rates correct November 2026.