None

Truck

used Truck up to 20 years old | available to everyone | downpayment from 20%

Hassle free used Truck hire purchase for everyone 

Easy and fast: fill out our simple form and instantly receive your financing approval. For everyone: private entrepreneurs and companies, starters and business looking to expand. Bad credit history, no credit history, immigrants, foreigners – you get a chance. We look at the client – not just the credit history. Everything: we offer hire purchase for new and used Truck up to 20 years old.  Everywhere: choose any car from any dealer or seller from any EU country. We take care of the rest – technical and document check of the vehicle, delivery and financing. Leave us a message or apply for financing your car now. Let’s grow together

How financing work

Steps to get your vehicle

NoneIndividual offer

Step 1

1

Сhoose car from our marketplace

You could filter by your monthly budget

2

Adjust by yourself parameters of financing

Downpayment and period of leasing or credit

3

Save your offer for specific car

Payments from the offer would be in the contract

NoneOnline application

Step 2

1

Fulfill you contact data

Basic information about you and the comapny

2

Addition information about the business

Type of business activity and assets in business

3

Financial data of the business

provide bank statement for the last 6 months

NoneFast credit decision

Step 3

1

Open data collection

Check of company status from different official data sources

2

Credit history check

Information about companies obligations and debts

3

Financial data analyses

Fast check of bank statements and company reports

NoneOnline contract signing

Step 4

1

Car reservation

Receive invoice and official information about the car from dealer

2

Contract creation

Based on commercial offer and car specification prepare contract

3

Singing of contract

Singing online with fast customers identification

NoneCar transfer

The final step

1

Receiving of downpayment

Customer pays downpayment according to the contract

2

Purchase of car

Eska Finance pays the full price for the car to dealer

3

Car delivery

Customer picks up the car from dealer or order delivery of the car

Step 1

1

Сhoose car from our marketplace

You could filter by your monthly budget

2

Adjust by yourself parameters of financing

Downpayment and period of leasing or credit

3

Save your offer for specific car

Payments from the offer would be in the contract

Step 2

1

Fulfill you contact data

Basic information about you and the comapny

2

Addition information about the business

Type of business activity and assets in business

3

Financial data of the business

provide bank statement for the last 6 months

Step 3

1

Open data collection

Check of company status from different official data sources

2

Credit history check

Information about companies obligations and debts

3

Financial data analyses

Fast check of bank statements and company reports

Step 4

1

Car reservation

Receive invoice and official information about the car from dealer

2

Contract creation

Based on commercial offer and car specification prepare contract

3

Singing of contract

Singing online with fast customers identification

The final step

1

Receiving of downpayment

Customer pays downpayment according to the contract

2

Purchase of car

Eska Finance pays the full price for the car to dealer

3

Car delivery

Customer picks up the car from dealer or order delivery of the car

New offers

Financing opportunity

You get a chance

starting business, no credit history, bad credit history - you get a chance

15 minutes

for a credit decision

Down payment 20%

without additional security

You start in 5 days

we deliver your machine within 5 days

Used machinery financing

relating to age and number of kilometres driven, motor hours

Selection and delivery

of vehicles and machinery across the EU

Make an offer / Get an offer

Our promise

Welcome to ESKA Finance. Here the loans are simple and you are understood.

We are not another bank or leasing company focused only on numbers and formalities.

We are a direct, specialised lender. We understand machinery - how it works and how it breaks. We understand your needs. We know that for small entrepreneurs access to finance means opportunity.

But if you are just starting a business, if you have no credit history or your financial results don't look good or if you are a migrant trying to start a new life in a new place - access to a loan can be impossible to get.

At ESKA Finance we help solving this problem by looking at all aspects of your story and not just numbers.

We finance entrepreneurs from all EU member states.

Our managers are always on your side - from helping you find the best used machine to financing and delivering.

Get your financing today with just a few clicks! It's easy and fast.

15 minutes

15 minutes

5 days

5 days

Hassle free

Hassle free

Friendly and accessible

Friendly and accessible

Better profits

Better profits

Independent technical check

Independent technical check

With us, you don't have to fill out a bunch of forms and applications — we focus on small and micro-entrepreneurs, which is why we offer the fastest service. You can sign the contract with us online, without leaving your home.

Used machinery financing made easy

Find your dream machinery

You can find your ideal machine on our web site or ask our manager to help you

Fit to your budget

Our monthly payments are transparent - you can find the right machinery with the right monthly payment

Fully online

Receive your financing proposal, credit decision and sign your contract online

Check

We help you with technical check, document check and organise the delivery of your machinery

Fast start

Within 5 days we finance and deliver your machine ready for business

Your future is in your hands

Start earning income with your machine tomorrow

Compare

ESKA FINANCE

COMPETITORS

BANKS

Credit decision time

15 minutes

2 to 14 days

14 to 60 days

Official income verification

No

Yes/No

Yes

Machinery age limit

up to 20 years

up to 5 years

up to 3-5 years

Early repayment without penalties

Yes

No

No

Machinery location

All EU

Local country

Local country

Machinery delivery time

Up to 5 working days after down payment

Up to 2 weeks after down payment

Up to 3 weeks after down payment

ESKA FINANCE

Credit decision time

15 minutes

Official income verification

No

Machinery age limit

up to 20 years

Early repayment without penalties

Yes

Machinery location

All EU

Machinery delivery time

Up to 5 working days after down payment

COMPETITORS

Credit decision time

2 to 14 days

Official income verification

Yes/No

Machinery age limit

up to 5 years

Early repayment without penalties

No

Machinery location

Local country

Machinery delivery time

Up to 2 weeks after down payment

BANKS

Credit decision time

14 to 60 days

Official income verification

Yes

Machinery age limit

up to 3-5 years

Early repayment without penalties

No

Machinery location

Local country

Machinery delivery time

Up to 3 weeks after down payment

ESKA FINANCE

COMPETITORS

BANKS

Credit decision time

Credit decision time

15 minutes

Credit decision time

2 to 14 days

Credit decision time

14 to 60 days

Official income verification

Official income verification

No

Official income verification

Yes/No

Official income verification

Yes

Machinery age limit

Machinery age limit

up to 20 years

Machinery age limit

up to 5 years

Machinery age limit

up to 3-5 years

Early repayment without penalties

Early repayment without penalties

Yes

Early repayment without penalties

No

Early repayment without penalties

No

Machinery location

Machinery location

All EU

Machinery location

Local country

Machinery location

Local country

Machinery delivery time

Machinery delivery time

Up to 5 working days after down payment

Machinery delivery time

Up to 2 weeks after down payment

Machinery delivery time

Up to 3 weeks after down payment

FREQUENTLY ASKED QUESTIONS

  • Is hire purchase suitable for everyone?

    Yes, hire purchase is good for every form of business, for every industry and every machinery type. You can use hire purchase to finance used truck, vehicle, LCV, construction machinery or agricultural machinery.

  • What are the criteria for used machinery and vehicles?

    Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.

  • Do I need to show proof of income?

    No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.

  • Can I extend the leasing term for a car?

    Yes, you can. We will prolong your contract on the same terms.

  • Can I pay off my loan or leasing early?

    Yes! There are no penalties for early repayment.

  • I chose a vehicle, filed the application, signed the contract, but the dealer sold the vehicle in the meantime

    This situation can happen, though it is very rare. Don’t worry, we have the biggest database of machinery and vehicles in EU and our managers will find you and alternative. But if we don’t find anything – we will return the downpayment in full amount.

  • What is the payment schedule?

    It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.

  • How soon can I drive my car?

    It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).

    If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.

  • What documents are required?

    To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

     
  • In which countries do you operate?

    ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.

  • Is leasing available for individuals?

    Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.

  • Are used machinery and vehicles financed on the same terms as new ones?

    We offer individual terms for leasing new and used machinery and vehicles.

    Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.

  • Can I buy used machinery or a car in Germany and get a loan in Slovakia?

    Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.

  • What is the maximum leasing term?

    The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.

  • Can I get leasing from you if I already have loans from banks or other leasing companies?

    Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.

  • Who can be a supplier in a leasing deal?

    The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.

  • I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?

    Yes, we offer such an opportunity.

  • How does ESKA Finance work?

    ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!

  • Who can get a leasing for used vehicle from ESKA Finance?

    Anyone. We offer financial leasing on used and new vehicles, trucks, construction and agricultural machinery to every entrepreneur in EU. Starter, experienced entrepreneur, family business, business set up by immigrants – we create a financial solution for everyone. We can help you find a perfect machinery or you can find it yourself – we will offer you a perfect leasing payment that will allow your business to grow

  • Why is ESKA Finance different from my leasing company?

    We are not a credit broker or big leasing company with one approach to all clients. We are a specialised lender – we understand the challenges that stand before MSMEs and we understand the machinery we finance. We can tell the difference between a DAF truck and a MAN truck and definitely we know a difference between a rotary and conventional harvester.

    Our staff will help you choose the machine you need. And we do cross border leasing for used machinery.

    No one else can offer such service.

  • Why is ESKA Finance different from my bank?

    First – we work with our own funds. Second – we understand the machinery we finance. Third – we do cross border financing for MSMEs (we can finance a tractor from France to a farmer from Poland). Fourth – our credit decision process takes 15 minutes. Fifth – we finance used trucks and machinery up to 20 years old. We can give you a dozen more reasons why ESKA Finance is better in financing used machinery than your big bank, call us.

  • Is hire purchase suitable for everyone?

    Yes, hire purchase is good for every form of business, for every industry and every machinery type. You can use hire purchase to finance used truck, vehicle, LCV, construction machinery or agricultural machinery.

  • Who can get a loan for used vehicle from ESKA Finance?

    We can offer a financing for used vehicle for everyone. If you are starting your business, if you are growing your business, if you were rejected by local bank or leasing company – we have a financial solution for you with a monthly payment that will meet your budget.

  • What are the criteria for used machinery and vehicles?

    Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.

  • Do I need to show proof of income?

    No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.

  • Can I extend the leasing term for a car?

    Yes, you can. We will prolong your contract on the same terms.

  • Can I pay off my loan or leasing early?

    Yes! There are no penalties for early repayment.

  • I chose a vehicle, filed the application, signed the contract, but the dealer sold the vehicle in the meantime

    This situation can happen, though it is very rare. Don’t worry, we have the biggest database of machinery and vehicles in EU and our managers will find you and alternative. But if we don’t find anything – we will return the downpayment in full amount.

  • What is the payment schedule?

    It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.

  • How soon can I drive my car?

    It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).

    If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.

  • What documents are required?

    To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

     
  • In which countries do you operate?

    ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.

  • Is leasing available for individuals?

    Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.

  • Are used machinery and vehicles financed on the same terms as new ones?

    We offer individual terms for leasing new and used machinery and vehicles.

    Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.

  • Can I buy used machinery or a car in Germany and get a loan in Slovakia?

    Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.

  • What is the maximum leasing term?

    The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.

  • Can I get leasing from you if I already have loans from banks or other leasing companies?

    Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.

  • Who can be a supplier in a leasing deal?

    The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.

  • I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?

    Yes, we offer such an opportunity.

  • How does ESKA Finance work?

    ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!

  • Who can get a leasing for used vehicle from ESKA Finance?

    Anyone. We offer financial leasing on used and new vehicles, trucks, construction and agricultural machinery to every entrepreneur in EU. Starter, experienced entrepreneur, family business, business set up by immigrants – we create a financial solution for everyone. We can help you find a perfect machinery or you can find it yourself – we will offer you a perfect leasing payment that will allow your business to grow

  • Why is ESKA Finance different from my leasing company?

    We are not a credit broker or big leasing company with one approach to all clients. We are a specialised lender – we understand the challenges that stand before MSMEs and we understand the machinery we finance. We can tell the difference between a DAF truck and a MAN truck and definitely we know a difference between a rotary and conventional harvester.

    Our staff will help you choose the machine you need. And we do cross border leasing for used machinery.

    No one else can offer such service.

  • Why is ESKA Finance different from my bank?

    First – we work with our own funds. Second – we understand the machinery we finance. Third – we do cross border financing for MSMEs (we can finance a tractor from France to a farmer from Poland). Fourth – our credit decision process takes 15 minutes. Fifth – we finance used trucks and machinery up to 20 years old. We can give you a dozen more reasons why ESKA Finance is better in financing used machinery than your big bank, call us.

  • Is hire purchase suitable for everyone?

    Yes, hire purchase is good for every form of business, for every industry and every machinery type. You can use hire purchase to finance used truck, vehicle, LCV, construction machinery or agricultural machinery.

  • What are the criteria for used machinery and vehicles?

    Leasing of used machinery and vehicles is carried out under the condition that the age of the transport does not exceed 15 years at the time of signing the contract. No other company in the EU will offer you such conditions, but we offer and finance it.

  • Do I need to show proof of income?

    No. We also do not require any other documents regarding your solvency. We are lenient towards existing loans and other financial obligations.

  • Can I extend the leasing term for a car?

    Yes, you can. We will prolong your contract on the same terms.

  • Can I pay off my loan or leasing early?

    Yes! There are no penalties for early repayment.

  • I chose a vehicle, filed the application, signed the contract, but the dealer sold the vehicle in the meantime

    This situation can happen, though it is very rare. Don’t worry, we have the biggest database of machinery and vehicles in EU and our managers will find you and alternative. But if we don’t find anything – we will return the downpayment in full amount.

  • What is the payment schedule?

    It will depend on the terms of your leasing contract. We offer individual terms taking into account your business situation. Usually, these are equal and regular payments throughout the entire term of the leasing contract.

  • How soon can I drive my car?

    It depends on where you choose to buy it and where is your country of registration. You will receive a credit decision within 15 minutes. If the car is in the same country as you are – you will get it within 3 working days maximum (5 days if we are talking about trucks and machinery).

    If you choose the vehicle or machinery from another country it depends on the transport speed and availability, it can take from a couple of days to a week or two.

  • What documents are required?

    To apply for financing with ESKA Finance, you will need to provide a passport and/or an extract from the trade register.

     
  • In which countries do you operate?

    ESKA Finance is a financial company with 15 years of experience and operates in almost all countries of the European Union. We offer leasing and financing solutions to small businesses in Austria, Belgium, Spain, Italy, the Netherlands, Germany, Poland, Portugal, Romania, Slovakia, Slovenia, Hungary, France, Croatia, and the Czech Republic.

  • Is leasing available for individuals?

    Yes! We finance legal and natural persons, micro-, small, and medium-sized businesses. So if you need a car on lease, we will definitely find the best option for you.

  • Are used machinery and vehicles financed on the same terms as new ones?

    We offer individual terms for leasing new and used machinery and vehicles.

    Any machinery or vehicles that are up to 15 years old can be financed on comfortable terms for you.

  • Can I buy used machinery or a car in Germany and get a loan in Slovakia?

    Yes. You can choose machinery or a car from Germany or any other country, and we will finance it and deliver it to Slovakia or any other EU country. Cross border financing is our speciality.

  • What is the maximum leasing term?

    The maximum leasing term is 60 months. We want to make things as convenient as possible for you, as the longer the term, the lower the payment. This will make it almost imperceptible and super convenient for you.

  • Can I get leasing from you if I already have loans from banks or other leasing companies?

    Yes, we are lenient towards any other financial obligations, including loans, and are ready to finance you.

  • Who can be a supplier in a leasing deal?

    The supplier is a legal or natural person who, in accordance with a sales contract with the lessor, sells the property that is the subject of the leasing. For example, this could be a car dealer from whom you plan to buy, a transport company or just a private person.

  • I want to buy a car from a friend. Do you provide loans for cars not purchased from a dealer?

    Yes, we offer such an opportunity.

  • How does ESKA Finance work?

    ESKA Finance provides fast and hassle free lending to MSMEs: financial leasing, hire purchase, asset based loans. We are the first pan-European lending company offering cross border financing for micro and small businesses for used vehicles, trucks, agricultural and construction machinery. We offer financing for those who have no credit history, good credit history, bad credit history. We offer inclusive financing for foreigners / immigrants and refugees to help them integrate in EU and create a better future. We help starting entrepreneurs to take possession of their future. We offer hassle free financing solutions to everyone across EU. And we do it very fast!

  • Who can get a leasing for used vehicle from ESKA Finance?

    Anyone. We offer financial leasing on used and new vehicles, trucks, construction and agricultural machinery to every entrepreneur in EU. Starter, experienced entrepreneur, family business, business set up by immigrants – we create a financial solution for everyone. We can help you find a perfect machinery or you can find it yourself – we will offer you a perfect leasing payment that will allow your business to grow

  • Why is ESKA Finance different from my leasing company?

    We are not a credit broker or big leasing company with one approach to all clients. We are a specialised lender – we understand the challenges that stand before MSMEs and we understand the machinery we finance. We can tell the difference between a DAF truck and a MAN truck and definitely we know a difference between a rotary and conventional harvester.

    Our staff will help you choose the machine you need. And we do cross border leasing for used machinery.

    No one else can offer such service.

  • Why is ESKA Finance different from my bank?

    First – we work with our own funds. Second – we understand the machinery we finance. Third – we do cross border financing for MSMEs (we can finance a tractor from France to a farmer from Poland). Fourth – our credit decision process takes 15 minutes. Fifth – we finance used trucks and machinery up to 20 years old. We can give you a dozen more reasons why ESKA Finance is better in financing used machinery than your big bank, call us.

Do your require any assistance?

Please fill the form and we will contact you shortly

Hire purchase financing for used trucks and trailers. Hire purchase is a form of financing. You pay fixed instalments and in the end the truck is transferred to your ownership. Truck Hire Purchase is the best financing option for truckers who need fast and hassle free financing.

To finance used truck purchase you need a deposit - starting from 10% of the cost of the truck. After you are required to pay fixed monthly payments. There are a lot of benefits of hire purchase when financing your truck. When financing your truck with hire purchase you often can get the truck same day. The truck is on your balance sheet, the VAT is deductible, the monthly payments are fixed. Truck and trailer hire purchase gives you immediate ownership of the asset.

ESKA Finance offers best conditions on financing a truck on hire purchase. We do not limit you to a certain dealer - you can choose a used truck from any dealer in the EU and we will finance it. This allows us to offer best deals fro used trucks to our clients.