4x4 and SUV
Finance for 4x4s and SUVs
From a family SUV to a working Defender, 4x4s cover an enormous range. What changes the finance is how the vehicle is used and whether it has been modified.
- Family SUVs to working 4x4s
- Personal or business use
- Modified vehicles considered
Finance Calculator
What could Hire Purchase cost?
Your illustration
- Amount of credit
- £14,000
- Illustrative APR
- 9.9%
- Total charge for credit
- £2,876.36
- Total amount payable
- £17,876.36
- 48 monthly payments of
- £351.57
Includes a £1 option to purchase fee. An illustration only — not a quote and not an offer of credit. Your rate depends on your circumstances and the lender. Finance is subject to status and income. Q-Finance is a credit broker, not a lender.
Q-Finance is a credit broker, not a lender. Our rates start from 8.9% APR. The rate you are offered will depend on your individual circumstances. Representative Example: Borrowing £8,000 over 60 months with a representative APR of 18.8%, the amount payable would be £200.34 a month, with a total cost of credit of £4,020.11 and a total amount payable of £12,020.11.
Ready to apply?
Tell us how it will be used
Working vehicle or family SUV, we will point the application at the right lender.
Personal use versus working use
A 4x4 used as a family car is financed like any other car. One used on a farm, an estate or a site is assessed differently — lenders think about wear, mileage type and how the vehicle will present at the end of the agreement.
If the vehicle is genuinely for a business, business finance may be available and may have tax advantages. That is a conversation to have with your accountant alongside us.
Modifications
Modifications are common on 4x4s and can affect both finance and insurance. Lifted suspension, winches, snorkels, light bars and rewrapped bodywork all change the vehicle from the specification the lender is valuing.
Running costs to budget for
- Insurance, which is frequently higher on larger and modified vehicles.
- Vehicle Excise Duty, which is significant on higher-emission and higher-value models.
- Tyres — 4x4 tyres are expensive and off-road use wears them fast.
- Fuel, particularly on older large-capacity diesels.
Common questions
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Ready to apply?
Tell us how it will be used
Working vehicle or family SUV, we will point the application at the right lender.