Hire Purchase Finance

  • Own the asset, pay over time
  • Fixed rates
  • Include training, installation and delivery within your plan
  • Repayment terms: 1 to 5 years
  • Settle the agreement at any time

Hire Purchase Finance

Hire Purchase is an ideal solution for businesses that are keen to purchase assets such as IT, vehicles, and equipment, but want to spread the payments over time.   With a Hire Purchase facility you can fund business equipment starting from £1,000 up to £10,000,000.

Covering all hard assets

Our Hire Purchase Scheme can fund pretty much any hard asset needed for your business.   Common examples include:

  • New and used vehicles
  • Office equipment
  • Construction machinery
  • Manufacturing equipment
  • IT Hardware
  • Commercial printing equipment

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Finance for Supporting Services

We don't just offer hire purchase solutions for hard assets.  Reality work with many businesses to offer a monthly payment option for the following solutions and services:

  •  Consultancy services
  •  Software solutions
  •  Services and upgrades
  •  Customer success plans
  •  Data management and quality control
  •  Installation and delivery

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Hire Purchase Features

Optional balloon payments
Can be used for hard and soft assets
Settle the agreement at any time
Fixed interest rates
Refinancing available on existing business assets

How does our Finance work?

You will have one point of contact at Reality and we believe in building relationships - we won't make you fill in online forms to make your application.


Choose the asset or service your company needs

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Speak to us and we will use our panel of lenders to find you the best monthly payment option

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We take care of the paperwork and invoicing

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Your product or service is delivered to you

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You pay for your new asset as you use it

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Why Reality Finance?

5 star service rating

Verified by Feefo

Over 30 lenders on our panel

so we can source you the best deal

Lender in our own right

Provides additional flexiblity

Funding hard and soft assets

Anything you need for your business

22 years of trading

Established in 2000 and privately owned


Case Study

DoubleTree by Hilton





  • Our customer is financing the cost of the Solar Solution over five years via a Hire Purchase finance agreement. This should allow for a first year Super deduction allowance allowing the business to utilise 130% of the cost of the system in their writing down allowances calculation.
  • They will be able to run the factory using energy created by the new solar system from the first day of installation.
  • The cost of the Hire Purchase repayments will be lower than the old monthly electricity bill - an immediate cash benefit.
  • If the system creates more power than is used by the company then it can be fed into the Grid which it will receive payments for.
  • The customer is also purchasing new electric vehicles, which can be charged at work and, which allow the company to offset a higher proportion of their cost against taxable income than their traditionally powered predecessors. In addition, the drivers also be entitled to a far lower benefit in kind charge for having the use of an electric powered Company vehicle.


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some of our clients