Financial Solutions

Finance that flexes with your business needs.

Flexible ways to finance your Scania vehicle.

Scania Financial Services is your trusted partner, providing flexible financing and insurance solutions tailored to give you predictable costs and manageable risks – over the entire lifecycle of your vehicle. Scania may be a global company, but we act locally to ensure your solution suits your business environment.

Because what drives us is your next move.

Chattel Mortgage or Operating Lease, let’s explore the right solution for you.

Chattel Mortgage

A Chattel Mortgage allows eligible businesses to finance a Scania truck or bus over an agreed term while generally taking ownership of the vehicle from the outset. Flexible repayment structures, including fixed repayments, tailored terms and balloon options, may be available, subject to credit approval and product eligibility.

Flexibility

A Chattel Mortgage can provide flexibility throughout the finance term, with options such as tailored loan structures, term lengths, and balloon payments that may assist with managing cash flow. At the end of the agreement, you may choose to upgrade to a new Scania, refinance the remaining balance (subject to approval), or take ownership by paying the outstanding amount.

Preserve Working Capital

With finance options that may require little or no upfront contribution for eligible customers, you could acquire a new Scania sooner while keeping capital available for other business priorities. Whether managing operating expenses or planning for growth, retaining access to available funds can provide greater flexibility for your business.

Payment Holiday

For eligible customers, a deferred payment option may be available at the start of the finance term. This can provide additional time before scheduled repayments commence, helping businesses put their vehicle to work and manage cash flow during the early stages of operation. Conditions and approval criteria apply.

Standard Hire Purchase

Hire Purchase allows you to spread the cost of your Scania over an agreed term through regular repayments. With a deposit and fixed repayment structure, eligible businesses can budget with greater certainty while working towards ownership at the end of the agreement, subject to meeting the contract terms.

Operating Lease

An Operating Lease gives eligible businesses access to Scania trucks and buses for an agreed term without taking ownership of the vehicle. Fixed monthly rentals can help with budgeting and cash flow planning, while avoiding exposure to future resale value risk. At the end of the lease, you may have options available depending on your agreement and business requirements.

Repair & Maintenance Coverage

Your Operating Lease includes comprehensive repair and maintenance coverage designed to support vehicle uptime throughout the lease term. By incorporating these services into a single agreement, businesses can benefit from greater cost visibility and reduced exposure to unexpected servicing expenses, helping keep your Scania operating efficiently and your fleet on the road.

0% Deposit

You can access a new Scania without an upfront deposit and spread costs through fixed monthly rentals over an agreed term. By preserving available capital for day-to-day operations, growth initiatives or other business priorities, you can maintain greater financial flexibility. Depending on your agreement, you may also have the option to extend the lease for up to six months at the end of the term.