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One Account. All of Cat.
Your Caterpillar account is the single account you use to log in to select services and applications we offer. Shop for parts and machines online, manage your fleet, go mobile, and more.
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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.
HIRE PURCHASE AGREEMENT
Regulated by the Consumer Credit Act 1974
Hire Purchase is for customers seeking equipment ownership at the end of the term. This agreement requires you to pay an initial deposit plus the full VAT, followed by monthly repayments (a portion of the money you borrowed plus interest) over an agreed period.
BENEFITS
- Fixed repayments help in planning cash flow.
- Select a repayment term between 12 and 60 months.
- Spread the capital cost over a period with a small option fee to purchase the equipment at the end of term.
RISKS
- You will only own the equipment once you have paid all contractual payments plus the option to purchase fee. You cannot modify or sell the equipment without our prior written permission. If we do give permission, you will need make all contractual payments on the sale of the equipment.
- Failure to keep up with your repayments could lead to us taking back the equipment and you may be liable to pay additional costs and interest, in addition to the contractual settlement amount (less proceeds. of sale of the equipment).
- You are responsible for any damage to the equipment during the contract period and must obtain appropriate insurance.
- Your credit score may be affected if you do not keep up with your repayments.
- Other fees and charges may apply which could include administration fees and modification fees. Please refer to the standard charges document for more details (available on request).
REPAIR & REBUILD LOAN
Regulated by the Consumer Credit Act 1974
Customers seeking a fixed-sum loan agreement to finance the purchase of Cat® equipment parts, repairs, or services through an authorised Cat® dealer will find this product particularly beneficial.
At the start of the agreement, we will pay the authorised Caterpillar dealer invoice on your behalf. You then repay the loan to us in instalments as set out in the loan agreement.
BENEFITS
- Fixed repayments help in planning cash flow.
- Better cost management for service and maintenance.
- Preserves capital for other business expenses or investments.
RISKS
- Failure to make regular and timely repayments may result in you paying additional costs and interest
- Your credit score may be affected if you do not keep up with your repayments.
- Other fees and charges may apply which could include administration fees and modification fees.
Early repayment figures are calculated in accordance with consumer credit regulations. All lending is subject to standard Caterpillar Financial Services (UK) Limited credit approval.
For further information, please call us at 01564 786429 or email FPDUK.SalesDesk@cat.com. This is for information purposes only and does not constitute financial advice. Caterpillar Financial Services (UK) Limited. Registered Office: Friars Gate, 1011 Stratford Road, Shirley, Solihull. B90 4BN. Registered No. 2538373 England. Authorised and regulated by the Financial Conduct Authority for consumer lending (including lending to sole traders and partnerships of 2 or 3 partners not exceeding £25,000).
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
Caterpillar Financial Services (UK) Limited is authorised and regulated by the Financial Conduct Authority for lending under regulated credit agreements.
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