Truck Finance

Tractor Unit Finance - 44t Artic Finance for UK Hauliers

Tractor units - the cab and engine of an articulated lorry - are among the highest-value commercial assets on the road.

Independent brokerWhole of marketNo obligation

Get Indicative Terms

Get indicative terms - free, no obligation

First name *

Last name *

Email address *

Phone number *

Business name

Truck type - make, model, approximate year

New or used?

Gross Vehicle Weight (GVW)

Body type

Do you hold an Operator Licence?

Finance type preference

Preferred term

Approximate vehicle value or budget (£)

Trading status

Years trading

Have you already received terms or quotes? If so, from whom?

Do you have any existing lending terms you would like us to beat?

How did you hear about us?

Best time to call

I confirm that I've read and understood the data protection and privacy statement.

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

What happens next

Fill in the form. It takes about 2 minutes.
We'll email you back with any additional questions, then match you with the right specialist for your situation.
A specialist independent broker will contact you to discuss your situation and present options.

Written by David Doulton · Last updated November 2026

Tractor units - the cab and engine of an articulated lorry - are among the highest-value commercial assets on the road. Financing a new 44-tonne DAF XF, Volvo FH or Scania R can represent an investment of £100,000–£160,000 for a flagship spec. Doulton Bridging Finance works with specialist HGV lenders who understand residual values, driver comfort specifications and the economics of long-haul haulage operations.

Indicative Tractor Unit Rates

GVW / Category	New Rate (HP)	Used Rate (HP)	Typical Term
44t artic - new flagship (XF/FH/R-series)	From 5.5% APR	From 6.0% APR	3–5 years
44t artic - new mid-spec	From 5.5% APR	From 6.0% 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.

Popular Tractor Unit Models

We arrange finance on all major makes and models

DAF XF - flagship sleeper cab; popular for European long-haul
Volvo FH - premium cab quality; preferred by many owner-operators
Scania R-Series - strong residuals; widely regarded as the premium choice
Mercedes-Benz Actros - latest generation (MP5) with MirrorCam; strong used values
MAN TGX - competitive pricing; good whole-life cost
Iveco S-Way - modern aerodynamic design; competitive on fuel consumption
Renault T Series - Volvo group platform; good cab environment

Get Indicative Terms 0204 6211776

FAQs

Frequently asked questions

Can I finance a tractor unit with a new operator licence?

Some specialist lenders will consider newer haulage businesses, though criteria are tighter and a larger deposit (20–30%) is typically required. Talk to us about your specific situation.

Is balloon HP popular for tractor units?

Yes. A balloon payment at the end of the HP term (typically representing the projected residual value) can significantly reduce monthly payments, making new flagship units more affordable. The balloon must be refinanced or repaid at the end of the term.

Can I compare manufacturer captive finance vs independent lenders?

Absolutely - that is exactly what we do. PACCAR Financial, Volvo Financial Services and Daimler Truck FS all offer competitive rates on their own product, but independent lenders sometimes beat them, particularly on used stock or multi-brand fleets.

What is the typical deposit for a tractor unit?

Most lenders ask for 10–20% deposit. For a £140,000 unit, that is £14,000–£28,000. We can sometimes arrange low-deposit deals for strong credits.

Truck Finance Truck Hire Purchase Rates Truck Finance Lease Rates Operator's Licence Guide Haulage Company Finance Truck Finance Tax Guide

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.