Truck Finance by Weight

7.5-Tonne Truck Finance - HP & Lease for 7.5t Rigids

The 7.5-tonne rigid is the smallest vehicle requiring a Category C driving licence and an Operator's Licence.

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Written by David Doulton · Last updated November 2026

The 7.5-tonne rigid is the smallest vehicle requiring a Category C driving licence and an Operator's Licence. Used extensively for urban deliveries, chilled distribution, supermarket fulfilment and trade, 7.5t trucks are among the most practical and commonly financed commercial vehicles in the UK. New 7.5t trucks - DAF LF, Mercedes Atego, MAN TGL, Volvo FL - typically cost £50,000–£90,000.

7.5-Tonne Truck Finance Rates - November 2026

GVW / Category	New Rate (HP)	Used Rate (HP)	Typical Term
7.5t rigid - new	From 5.0% APR	-	2–5 years
7.5t rigid - used (up to 5 years)	-	From 5.5% APR	2–5 years
7.5t rigid with tail-lift - new	From 5.2% APR	-	2–5 years
7.5t refrigerated - new	From 5.3% APR	-	2–5 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 7.5t Truck Models

DAF LF - widely used in UK urban distribution; strong residuals
Mercedes-Benz Atego - dominant in 7.5t space; widely available used
MAN TGL - competitive pricing; reliable workhorse
Volvo FL - premium build quality; popular for refrigerated distribution
Iveco Eurocargo - popular in construction and trade
Ford Cargo 7.5t - previously popular; legacy stock available

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FAQs

Frequently asked questions

Do I need a full C licence to finance a 7.5t truck?

Lenders are not driving licence authorities, but most will want confirmation that the vehicle will be operated legally. A 7.5t truck requires a Cat C licence. If you are applying for your licence, mention this in your application.

Can a sole trader finance a 7.5t truck?

Yes. 7.5t trucks are popular among sole traders in construction, haulage and trade. Criteria vary by lender - some require 2 years' accounts, others are more flexible. Deposits of 15–25% can help in marginal cases.

What is the difference between a box van and a curtainsider at 7.5t?

A box van has fixed aluminium or GRP sides - secure and weatherproof. A curtainsider has retractable curtains - faster loading with a forklift. The body type does not significantly affect the finance rate at 7.5t.

How much does a 7.5t truck cost to finance monthly?

For a £65,000 7.5t truck at 5.0% APR over 5 years with 10% deposit, monthly payments are approximately £1,050–£1,150. We will produce exact figures based on your chosen vehicle and deposit.

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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.