Truck Model Finance

DAF XF Finance - Hire Purchase & Lease for DAF XF Tractor Units

The DAF XF is the flagship tractor unit from DAF Trucks, the Netherlands-based manufacturer owned by PACCAR Inc.

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Doulton Money Limited · FCA No. 814533 · No obligation enquiry

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Written by David Doulton · Last updated November 2026

The DAF XF is the flagship tractor unit from DAF Trucks, the Netherlands-based manufacturer owned by PACCAR Inc. In its current generation (XG/XG+ cab), the XF competes directly with the Volvo FH and Scania R at the premium end of the European long-haul market. New DAF XF units typically cost £110,000–£160,000 fully specified. Doulton Bridging Finance compares PACCAR Financial (DAF's own captive lender) against independent HGV specialists to find the most competitive deal for your business.

DAF XF Finance Rates - November 2026

GVW / Category	New Rate (HP)	Used Rate (HP)	Typical Term
DAF XF - new (XG/XG+ cab)	From 5.5% APR	-	3–5 years
DAF XF - used up to 3 years	-	From 5.8% APR	3–5 years
DAF XF - used 3–6 years	-	From 6.2% 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.

About the DAF XF

Current generation: DAF XF XG/XG+ (2021 onwards)

The latest XF generation, sold in XG and XG+ variants (the latter with a walk-through floor-level cab), represents DAF's most ambitious design in decades. Key features:

450hp–530hp PACCAR MX-13 engine
TraXon automated gearbox as standard on most configurations
XG+ offers a significantly larger living area than any previous DAF - competitive with Volvo FH XL
Strong residual values supported by large UK dealer network
Euro 6 Step E compliant
PACCAR Financial offers dedicated DAF finance products through the dealer network

The previous generation DAF XF (MY2017–2021) remains widely available on the used market and is popular with owner-operators for its reliability and parts availability.

Get Indicative Terms 0204 6211776

FAQs

Frequently asked questions

Can I finance a DAF XF through the dealer?

Yes. PACCAR Financial operates through the DAF dealer network. We can compare their offer against our panel before you commit - there is no obligation, and the comparison is free.

What is the difference between the DAF XF XG and XG+?

The XG has a conventional cab layout. The XG+ has a unique flat floor with a lower bunk positioned at floor level, creating significantly more living space. The XG+ carries a price premium of approximately £5,000–£10,000 new.

Are DAF XF trucks good for residual value?

The DAF XF has historically held value well in the UK, supported by strong dealer coverage and parts availability. PACCAR Financial's balloon HP products are designed with these residuals in mind.

Can I finance a used DAF XF from a private seller?

Yes, subject to the asset meeting lender criteria (typically not over 10 years old, clean title, no outstanding finance). We arrange finance on private purchases as well as dealer stock.

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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.