mini excavator on a jobsite

HIRE PURCHASE OR LEASE?

Which financial solution is right for you? If equity and ownership are your priorities, a hire purchase may be your best bet. If you want flexibility and a way to free up cash for other needs, consider a lease.

Financing Options

Do your plans require for more cash than you have on hand? We can help. Our financing options provide the capital you need to purchase equipment, expand your business or manage day-to-day operations at your disposal. Flexible rates, terms and lengths make it easy for you to find a solution that fits your budget and goals.

 

“IF IT WASN’T FOR THEIR FLEXIBILITY AND THE COMPETITIVE RATES THEY PROVIDE US,
WE WOULDN’T BE ABLE TO PROVIDE OUR CUSTOMERS WITH THE PRICING AND
SUPPORT THEY DESERVE.”

Kevin Manning, Laser Grading and Development

 

HIRE PURCHASE

Want to own that new or used machine right away but pay for it over time? A hire purchase contract may be the right option for you.

  • Get right to work and build equity at the same time
  • Make your down payment in the form of cash or trade-in
  • Choose from flexible payment plans — including skip payments on monthly schedules

Talk to your Cat® dealer for more details and other benefits that may be available in your location.


Planting a Tree for Every Machine Financed

Did you know? We've partnered with OneTreePlanted.org and have so far planted more than 2,500 trees in the United Kingdom and the Amazon Forest. Trees provide many uses and help improve our air, water, biodiversity, communities, health and climate. Thanks for helping us plant it forward.

Sustainability

equipment LEASing OPTIONS

Life is all about choices, and so is equipment leasing from Cat Financial. Low monthly payments free up cash for other priorities and provide more flexibility.

 

“We’ve been leasing quite a number of products, and we do that because Cat Financial offers things that typical lenders can’t do for us. We like to use them because we have that flexibility.”

Lyndon Larson, Tiffany Construction

 

operator in an excavator
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operator in an excavator

equipment leasing Benefits

  • Monthly payments are often lower than a loan or short-term rental
  • Monthly, quarterly, semi-annual, annual and skip payments are available

One lease doesn’t fit all. Talk to your Cat dealer about our equipment leasing and finance solutions to choose the best option.

Request information

Interested in learning more about our financing and extended protection options? Ready to get the process started? Just fill out this form and we’ll have your local Cat dealer follow up with the information you need.

Get Started
operators on a jobsite, one in a wheelchair

Apply for Financing

A Cat equipment online credit application is simple.
Complete the application in just 5-7 minutes.

Apply Now
Appy for financing with Cat Financial

Laser Grading & Development

See how we helped a new business owner survive and thrive through an economic downturn.

 

 

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Laser Grading & Development Customer Story

Special Offers

Seeing you succeed is our aim. Our special offers make it easy and affordable for you to choose new and used Cat machines, parts, service and more. 

See all offers

Tools & Calculators

How much machine can you afford? Should you choose equipment leasing or a hire purchase? What level of extended protection is enough? These resources make decision-making easier.

VIEW ALL TOOLS
customer on a jobsite using a tablet


Caterpillar Financial Services (UK) Limited is authorised and regulated by the Financial Conduct Authority for lending under regulated credit agreements.
We care about our customers and their data, and always strive for transparency as a trusted financial institution.
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