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Vehicle finance

Take your business further

Specialist knowledge of risk and residual values in the transport industry helps Scania Financial Services understand how the numbers affect your business. That’s why we can recommend financial products to suit your business plan and budget - whether you're buying one vehicle or expanding your entire fleet.

View our quick guide


*Before making your decision, we recommend you discuss and review the options with your accountant



Fixed Solutions
Scania Flexi-Buy
Scania Freedom

A simple finance solution giving you the benefits of ownership without the capital outlay. Paying a deposit with VAT up front you can budget for fixed payments and reclaim the VAT. You will own the vehicle once all payments have been made appearing as an asset on your balance sheet.

Scania Flexi-Buy has all the traditional benefits  of hire purchase, with the added flexibility of an optional annual payment of up to 20% of your remaining balance – without incurring any penalty charges. You can repay your finance quicker and reduce your overall interest costs. Terms and conditions apply.



Scania Freedom lets you take an annual payment holiday of one or two months on a hire purchase agreement. It helps ease your monthly financial commitments, giving your cash flow the chance to recover – ideal if you specialise in seasonal work or experience temporary business difficulties. Terms and conditions apply.


Benefit from lower monthly payments by paying a larger amount - a balloon payment, at the end of your agreement. You can budget for fixed monthly payments with interest charges allowable against tax and you can reclaim the VAT at the start of the agreement. The vehicle will appear as an asset on your balance sheet and you will own it once all the payments have been made.

Offset the lease of your rental vehicles against your taxable profits when you lease vehicles for a fixed period. VAT is collected on each rental and you can budget for fixed monthly payments. At the end of the agreement you can either continue to use the vehicle or sell the vehicle for an agreed amount and keep the majority of sale proceeds.

We take the residual value risk in the vehicle and use it to lower your monthly lease payments. At the end of the agreement, you simply return the vehicle to us. Providing it meets the return conditions and mileage parameters agreed at the start of the agreement - there is nothing more to pay.

With fixed monthly payments, contract hire offers you a peace of mind financing route. You get all the benefits of an operating lease, plus a repair and maintenance contract. Scania Assistance will also cover the majority of your vehicle acquisition and operating costs (excluding fuel and drivers).

“In business, value for money is everything, particularly when it comes to insurance. And that is certainly what you get at Scania."

Klaus Ellinger

Owner and MD of TSL GmbH, GroB-Umstadt/Richen

Financial Services

Pick up a brochure at your local Scania branch or download a copy below.


*Terms and conditions apply. Finance is only available for business use where the amount exceeds £25,000. All applicants must be based in the United Kingdom. The granting of credit is subject to status and must meet certain credit criteria.. Scania Financial Services is a trading name of Scania Finance Great Britain Limited. Registered in England No. 2173954. Registered Office: 55 Baker Street, London, W1U 7EU.

Scania Financial Services

Milton Keynes

Monday to Friday

9:00am - 5:00pm

Delaware Drive, Tongwell, Milton Keynes, MK15 8HB