Asset finance calculator · UK and Europe · Since 1992

Asset Finance Calculator: your monthly cost in 10 seconds

Pick the cost. Pick the term. Get your quote. £100,000 to £500,000 in sterling or euros, with 40+ funders behind every deal.

Get my quote Speak to a Funding Director
7.5%APR in sterling 6.5%APR in euros 24–84month terms

Established 1992 · 6,500+ businesses funded · Founding member, Guild of Business Finance Professionals · Limited companies only

Illustrative pricing

Get your asset finance quote

Slide. See it. Send it to a Funding Director in one click.

Currency
£250,000
£100k£500k£1m+
£
60 months
2 yrs4 yrs7 yrs
Your quote
£4,978
a month · 60 months · fixed · ex VAT
Asset cost
£250,000
Per year
£60,114
Total payable
£300,569
Rate
7.5% APR
Lock in this quote → Funding Director reply in 1 business day. Terms in 48 hours.
Big ticket
Above £500,000

Up to £10m. Priced by a Funding Director, not a slider. Reply in 1 business day.

Get a bespoke quote →

Illustration only, at 7.5% APR with monthly payments in advance and no deposit or balloon. Not an offer of finance. Subject to status and funder approval. Limited companies only. Oak Leasing is not a lender.

Compare terms

How the term changes your monthly cost

Based on £250,000 at 7.5% APR. A longer term lowers the monthly payment but increases the total payable. Match the term to the asset's working life.

TermMonthly paymentAnnual costTotal payable
What it covers

One calculator, every form of asset finance

The figure is a guide for leasing and hire purchase alike. Your Funding Director will recommend the structure that fits how long you will use the asset and whether you want to own it.

Finance lease

Rentals cover most or all of the cost. At the end, continue on secondary rentals or the asset is sold.

Hire purchase

Fixed instalments, with ownership passing to your business after the final payment.

Operating lease

Lower payments that reflect a residual value. Return, extend or upgrade at the end of the term.

Sale and leaseback

Release capital from equipment you already own, up to €100m per transaction. Asset refinance →

Stage payment funding

The funder pays the manufacturer's stage payments for European-built equipment. You pay only interest until delivery.

Vendor programmes

Point-of-sale finance for manufacturers and dealers, from £10,000 within a programme. Vendor programmes →

New to asset finance? Read asset finance for UK and European businesses or our guide to how equipment leasing works.

From estimate to funding

What happens after you calculate

  1. Send your figures"Get indicative terms" carries your calculation into the enquiry form.
  2. We structure itA Funding Director recommends the structure, term and currency.
  3. We place itMatched to the funder whose appetite fits your asset, sector and country.
  4. You sign and use itDocuments reviewed before signature, unusual clauses explained in plain English.

Standard UK transactions usually receive indicative terms within 48 hours. Our fee is typically paid by the funder on activation and is disclosed to you before finance documents are signed.

FAQs

Asset finance calculator: straight answers

How is the monthly payment calculated?

The calculator spreads the asset cost over the term at a fixed 7.5% APR in sterling or 6.5% APR in euros, with equal monthly payments in advance and no deposit or balloon. It is an illustration; your actual rate depends on the asset, term, sector and your company's credit profile.

Does the figure include VAT?

No. Figures exclude VAT. On a lease, VAT is charged on each rental. On hire purchase, VAT on the asset is usually payable upfront and can normally be reclaimed by a VAT-registered business.

Why does the calculator stop at £500,000?

Deals above £500,000 are priced individually because structure, term, residual value and funder choice make more difference to the cost. Oak Leasing arranges transactions up to £10 million, and refinance up to €100 million, so a Funding Director will quote these directly.

Can I finance less than £100,000?

Transactions from £10,000 are considered only within an approved vendor finance programme, not as one-off deals.

Is the calculator the same for leasing and hire purchase?

Yes, as a guide. Monthly costs are similar at the same rate and term. The differences are ownership, VAT timing and accounting, which your Funding Director will explain.

Who can use asset finance through Oak Leasing?

Limited companies and other incorporated businesses in the UK and Europe. We do not arrange finance for consumers, sole traders or partnerships, which is why Oak Leasing is not FCA regulated.

Like the number? Make it real.

Reply in one business day. Terms in 48 hours. 6,500+ businesses funded since 1992.

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Illustrations only, not an offer of finance. Subject to status and funder approval. Limited companies only. Oak Leasing is not a lender.

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