Truck Finance
Finance for trucks and HGVs from 3.5t to 44t. New and used vehicles for fleet and individual operators, with hire purchase, contract hire, and finance lease options.
Independent introduction serviceWhole of marketNo obligation
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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.
Keep your business moving with the right truck finance
Trucks are essential working assets for haulage, logistics, construction, and distribution businesses. Whether you are an owner-operator adding your first HGV or a fleet manager replacing multiple vehicles, the right finance structure makes a significant difference to your bottom line.
We work with specialist commercial vehicle lenders who understand truck values, depreciation, and the operational demands of the haulage industry. From a single 3.5-tonne van-body to a fleet of 44-tonne artics, we find competitive finance that keeps your wheels turning.
Truck funding for every size and need
Light Commercial (3.5t - 7.5t)
Finance for 3.5-tonne to 7.5-tonne trucks. Ideal for local delivery, trades, and small logistics operations. Standard driving licence vehicles with competitive finance rates.
Medium Trucks (7.5t - 18t)
Mid-range truck finance for distribution, construction, and specialist applications. Rigids and dropsides for businesses stepping up from lighter vehicles.
Heavy Goods Vehicles (18t - 44t)
Finance for artics, rigids, tippers, and specialist HGVs. All configurations and body types. Competitive rates from lenders who specialise in heavy commercial vehicles.
Hire Purchase
Own the truck at the end of the agreement with fixed monthly payments. Claim capital allowances and build equity. The most popular option for owner-operators and small fleets.
Contract Hire
Fixed monthly rental including maintenance and breakdown cover. Return the vehicle at the end of the contract. Predictable costs with no residual value risk.
Finance Lease
Use the truck for the full lease term with a secondary rental period or sale at the end. Flexible end-of-term options and potential off-balance-sheet treatment.
How it works
Vehicle Requirements
Tell us what you need - truck type, size, configuration, new or used, and any body specifications. We can advise on which finance structure best suits your operation.
Competitive Quote
We source terms from specialist commercial vehicle lenders, comparing hire purchase, contract hire, and lease options to find the best fit for your business.
Quick Approval
Commercial vehicle lenders make fast decisions. Most applications are approved within 24 to 48 hours, with established operators often receiving same-day approval.
Vehicle Delivery
Once approved, we settle with the dealer or manufacturer. Your truck is delivered and ready to work while you spread the cost over an agreed term.
More rigid truck finance guides
- Best Rigid Truck Finance Rates
- HP vs Contract Hire for Rigid Trucks
- Finance for 7.5t, 12t and 18t Rigid Trucks
Lender and manufacturer finance compared
Each lender's rates, criteria and when it fits, plus manufacturer finance against an independent broker, October 2026.
- Aldermore Rigid Truck Finance
- Close Brothers Rigid Truck Finance
- PACCAR Financial (DAF) vs Broker: Rigid Truck Finance
- Haydock Finance Rigid Truck Finance
- Iveco Capital vs Broker: Rigid Truck Finance
- Lombard Rigid Truck Finance
- MAN Financial Services vs Broker: Rigid Truck Finance
- Novuna Rigid Truck Finance
- Volvo Financial Services vs Broker: Rigid Truck Finance
Rigid truck finance rates, November 2026
| Equipment / asset | Finance type | Rate | Term |
|---|---|---|---|
| 7.5t rigid (box van, curtainsider) | Hire purchase | From 5.0% APR | 2-4 years |
| 18t rigid (curtainsider, flatbed) | Hire purchase | From 5.2% APR | 2-5 years |
| 26t rigid (curtainsider, flatbed) | Hire purchase | From 5.4% APR | 3-5 years |
| 32t rigid (8-wheel curtainsider) | Hire purchase | From 5.5% APR | 3-5 years |
| Rigid with tail-lift | Hire purchase | From 5.2% APR | 2-5 years |
| Rigid with crane (HIAB-bodied) | Hire purchase | From 5.5% APR | 3-5 years |
Worked example: 26t curtainsider rigid truck
| Asset value | £75,000 |
|---|---|
| Finance type | Hire purchase |
| Term | 4 years |
| Rate | 5.5% APR |
| Monthly payment | £1,744 |
| Total repayable | £83,712 |
| Total interest | £8,712 |
| Ownership | Outright at end of term |
Why choose Doulton Bridging Finance for rigid truck finance?
- New and used - trucks to 10 years funded with clean MOT history
- Fleet operators: fleet rate on 3+ vehicles
- Bespoke bodywork (refrigeration, tail-lifts, crane bodies) included in the financed amount
- All major OEMs - Mercedes Actros, DAF LF, MAN TGL, Volvo FL, Iveco
- Soft credit search before commitment
- 7.5t to 32t GVW - all sizes funded
What we finance
- 7.5t rigids - box van and curtainsider
- 18t rigids - curtainsider and flatbed
- 26t rigids - curtainsider and flatbed
- 32t 8-wheel rigids
- Rigid trucks with tail-lift (Dhollandia, Zepro)
- Rigid trucks with crane body (HIAB-bodied)
- Temperature-controlled rigids
- Chassis cab for bespoke body builds
Frequently asked questions
Can I include the body build in the facility?
Yes - the body (curtainsider body, box van body, flatbed, dropside, tail-lift) forms part of the asset value in the hire purchase or finance lease agreement. Bespoke body builds are funded as a combined chassis-plus-body value.
Can I finance a used rigid truck?
Yes - trucks to 10 years old with full MOT and service history are funded by most panel lenders. Trucks without full service history or with significant bodywork damage are assessed on a case-by-case basis.
What GVWs can be funded?
We fund rigid trucks from 7.5t GVW upwards. 3.5t LCVs and vans are funded under our LCV & Van Fleet Finance page.
How quickly can I get terms?
Standard rigid trucks under £100,000: indicative terms often same day, formal offer within 24-48 hours. Fleet applications for 3+ vehicles: 2-3 working days to receive formal fleet offers from multiple lenders.
Ready to finance your next truck?
Tell us what you need and we will find the best finance options. Individual vehicles or full fleet orders, all sizes from 3.5t to 44t.
Commercial vehicle finance by vehicle type
Every truck, trailer and body type we fund has a dedicated page with the lenders and terms that apply to it.
Frequently asked questions
What is specialist finance?
Specialist finance covers funding for assets and sectors that sit outside mainstream lending - agricultural machinery, construction plant, commercial vehicle fleets, equestrian property, farm diversification and similar. Lenders in this space understand the asset and the industry, not just a credit score.
What assets can be financed?
New and used agricultural machinery, tractors, diggers and excavators, HGVs and trucks, vans and fleet vehicles, farm equipment, livestock facilities, equestrian buildings and land - essentially any identifiable income-producing or business-critical asset.
How is specialist finance structured?
Most commonly as hire purchase (you own the asset at the end) or finance lease (lender retains title and leases to you). Refinance and sale-and-leaseback options are also available to release capital from assets you already own.
What deposit and term applies?
Typical deposits are 10-20% of asset value. Terms run from 2 to 7 years depending on the asset's useful life and your preferred cash flow. Balloon payments can be structured in where helpful.
Can startups or new ventures access specialist finance?
Yes - specialist lenders routinely fund new-entrant farmers, newly-incorporated transport operators and first-time business asset buyers. Strong industry experience, a viable business plan and a reasonable deposit typically carry more weight than company trading history.
Explore related pages
Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.
Asset Finance Rates 2026
Current rates, the full fee breakdown and a worked cost example. Updated November 2026.
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