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Written by David Doulton · Last updated November 2026
The 44-tonne articulated lorry - a tractor unit pulling a semi-trailer - is the workhorse of UK long-haul haulage. Operating at 44t GTW (gross train weight) requires a Standard National or Standard International Operator's Licence and a Category CE driving licence. Financing a new flagship artic tractor unit represents an investment of £100,000–£165,000. Doulton Bridging Finance works with specialist HGV lenders who understand the economics of artic haulage operations.
44-Tonne Artic Finance Rates - November 2026
GVW / Category
New Rate (HP)
Used Rate (HP)
Typical Term
44t artic - new flagship
From 5.5% APR
-
3–5 years
44t artic - new mid-spec
From 5.5% APR
-
3–5 years
44t artic - used (up to 5 years)
-
From 6.0% APR
3–5 years
44t artic - used (5–8 years)
-
From 6.5% APR
2–4 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.
Tractor Unit Models at 44t
DAF XF (XG/XG+ cab) - market share leader in UK; PACCAR Financial available
Can I finance just the tractor unit, not the trailer?
Yes. Most hauliers finance the tractor unit and trailer separately - often with different lenders and on different terms. We can arrange finance on both simultaneously if required.
What is a Standard National vs Standard International O-licence?
Standard National covers domestic haulage within Great Britain. Standard International covers international haulage (EU/ECMT). The majority of UK hauliers operating artics hold Standard National.
What is the typical monthly payment on a 44t artic?
For a £140,000 tractor unit at 5.5% APR over 5 years with 15% deposit, monthly payments are approximately £2,200–£2,500. Balloon HP can reduce this significantly - typical balloon of £20,000–£35,000.
Can a sole trader run a 44t artic?
Yes. Many owner-operators are sole traders. Lender criteria for sole traders are generally similar to limited companies, though some lenders require filed accounts for 2 years. Self-assessment tax returns and bank statements are typical evidence requirements.
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.
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