Lender Spotlight

PACCAR Financial - DAF Captive Finance Spotlight

PACCAR Financial is the manufacturer captive finance arm of PACCAR Inc., the US parent company of DAF Trucks.

Independent brokerWhole of marketNo obligation

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

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A specialist independent broker will contact you to discuss your situation and present options.

Written by David Doulton · Last updated November 2026

PACCAR Financial is the manufacturer captive finance arm of PACCAR Inc., the US parent company of DAF Trucks. It provides hire purchase, finance lease and operating lease directly through the DAF dealer network in the UK. For businesses buying a new DAF truck - XF, CF or LF - PACCAR Financial is the natural first port of call, and their familiarity with DAF residual values can produce competitive terms.

PACCAR Financial vs Independent Lenders

PACCAR Financial's advantage is dealer integration and familiarity with DAF residuals. However, independent HGV lenders sometimes beat PACCAR Financial - particularly on used DAF stock, non-standard credit profiles, or when our panel's competitive pricing exceeds the captive's offer. We always present you with a comparison.

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FAQs

Frequently asked questions

Can I only use PACCAR Financial if buying a new DAF?

PACCAR Financial primarily finances new DAF through dealers. For used DAF, independent lenders or Close Brothers are often more competitive.

Does PACCAR Financial offer promotional rates?

Yes, periodically. DAF and PACCAR Financial run promotional finance offers - particularly at year-end or for fleet orders. These are worth comparing against our panel.

Can Doulton compare PACCAR Financial?

Yes. We approach PACCAR Financial as part of our panel comparison and present their rate alongside independent alternatives. This is a key benefit of using a whole-of-market broker.

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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.