Finance · 11 home lift makers checked · every published finance example · 4 October 2026
We read the finance, FAQ and pricing pages of 11 UK home lift makers on 4 October 2026. Only Stiltz publishes its finance terms. On its own figures, an £18,950 Duo Classic costs £311.51 a month over six years with a 10% deposit, and spreading it that way adds 28p to every pound of the price. Here is what the same terms mean for every type of home lift.
The short answer
- A through-floor home lift from £13,000 is about £214 a month over six years after a £1,300 deposit, at the 9.9% APR Stiltz publishes. A reconditioned lift is about £131 a month; a traction lift from £25,000 is about £411.
- Stiltz’s own four examples run from £221.43 to £467.84 a month. The cheapest needs half the price up front.
- Six years at 9.9% adds 28p in every pound. Four years at 5.9% with half down adds about 6p.
- One of 11 makers publishes finance terms. Two more mention finance without a rate. We found no 0% offer and no home lift rental.
- Before you borrow, check 0% VAT relief and the Disabled Facilities Grant. Either can cut what you need to finance by thousands.
How much is a home lift per month, by type?
The table applies Stiltz’s published 9.9% APR, 72-month plan with a 10% deposit to the installed price bands in our home lift price guide. We chose that plan because it is the only published UK home lift finance example with a small deposit. Run the same sum on Stiltz’s own £18,950 example and it lands within 3p of the £311.51 Stiltz prints, so the method matches the lender’s.
| Lift type | Installed price | 10% deposit (lowest price) | Monthly, 6 years at 9.9% APR | Total paid at the lowest price |
|---|---|---|---|---|
| Reconditioned lift | £8,000 to £18,000 | £800 | £131 to £296 | £10,268£2,268 more than the cash price |
| Through-floor lift | £13,000 to £25,000 | £1,300 | £214 to £411 | £16,685£3,685 more than the cash price |
| Electric screw-drive lift | £18,000 to £40,000 | £1,800 | £296 to £657 | £23,102£5,102 more than the cash price |
| Vacuum (pneumatic) lift | £23,000 to £45,000 | £2,300 | £378 to £740 | £29,520£6,520 more than the cash price |
| Hydraulic lift | £22,000 to £50,000 | £2,200 | £362 to £822 | £28,236£6,236 more than the cash price |
| Traction (cable) lift | £25,000 to £55,000 | £2,500 | £411 to £904 | £32,087£7,087 more than the cash price |
Our arithmetic, not a quote or an offer of credit. Price bands from our price guide, which reconciles to the brand pages. Most makers publish ex-VAT prices, so a buyer paying 20% VAT borrows more. Your rate depends on the lender, the term and your credit record.
Work out your own monthly payment
Put in the quoted price, the deposit you can pay, and the APR and term from the lender’s representative example.
Without JavaScript: a £13,000 lift with a £1,300 deposit at 9.9% APR over 6 years is about £213.68 a month, £16,685 in total.
The only published home lift finance terms: Stiltz
Stiltz prints four finance examples in its FAQ, all for a Stiltz Duo Classic “fully installed with standard building works” at a cash price of £18,950. Stiltz says “the examples above are excluding VAT”. The figures below are exactly as Stiltz publishes them; the last column is our subtraction.
| Product | Deposit | Credit | APR | Months | Monthly | Total payable | Extra over cash |
|---|---|---|---|---|---|---|---|
| Interest bearing | £9,475 | £9,475 | 5.9% | 48 | £221.43 | £20,103.64 | £1,153.646p on every £1 |
| Interest bearing | £5,000 | £13,950 | 7.9% | 60 | £280.41 | £21,824.60 | £2,874.6015p on every £1 |
| Interest bearing | £1,895 | £17,055 | 9.9% | 72 | £311.51 | £24,323.72 | £5,373.7228p on every £1 |
| Buy now pay later | £1,895 | £17,055 + £29 admin fee | 14.9% | 48 (plus 12 deferral) | £467.84 | £24,351.32 | £5,401.3228p on every £1 |
Source: Stiltz FAQs, read 4 October 2026. Stiltz says it is “a credit broker not a lender”, with credit “provided by Mitsubishi HC Capital UK PLC”, and that “Your monthly repayments will begin one month after your purchase has been delivered”.
What the Stiltz table shows
- The low monthly figure is a deposit figure. £221.43 a month needs £9,475 up front. With a 10% deposit the payment is £311.51.
- Term costs more than rate. The six-year plan at 9.9% costs £5,373.72 more than cash. The four-year plan at 5.9% with half down costs £1,153.64 more.
- Buy now pay later costs about the same as six years. The 12-month deferral at 14.9% APR, plus a £29 admin fee, ends at £24,351.32, £27.60 more than the six-year plan.
- The price on the finance table is above the price on the website. Stiltz’s cash price in this table is £18,950; its published starting price is “from £17,000 excluding VAT”. Ask which price your finance quote is based on.
Which home lift companies offer finance?
We read each maker’s homepage, FAQ and price or buying guide on 4 October 2026 and searched them for finance, APR, monthly payments, interest-free credit and rental.
| Maker | Finance terms | What its website says | Source |
|---|---|---|---|
| Stiltz | Terms published | Four worked examples for an £18,950 Duo Classic, from 5.9% to 14.9% APR. Stiltz is a credit broker; the lender is Mitsubishi HC Capital UK (Novuna). | Source ↗ |
| Lifton | Nothing published | No finance mention on its homepage, FAQ or price guide. Lifton is part of the Stiltz group. | Source ↗ |
| Terry Lifts | Nothing published | No finance mention on its homepage, FAQ or How to Buy guide. | Source ↗ |
| Stannah (Uplifts) | Nothing published | No finance mention on the Uplifts homelift page, FAQ or homepage. | Source ↗ |
| Cibes | Nothing published | Its FAQ covers grants and subsidies but not finance. | Source ↗ |
| Aritco | Mentioned, no terms | “Our certified partners often offer individualized financing options.” | Source ↗ |
| Gartec | Nothing published | No finance mention on its homepage or FAQ. | Source ↗ |
| SWIFT | Mentioned, no terms | Offers to “discuss various budget-friendly options and financing solutions”. | Source ↗ |
| Wessex Lifts | Nothing published | No finance mention on its homepage or home lift pages. | Source ↗ |
| Companion | Nothing published | No finance mention on its homepage or FAQ. | Source ↗ |
| Pollock | Nothing published | No finance mention on its homepage or FAQ. | Source ↗ |
Read in a browser on 4 October 2026. “Nothing published” means we found no finance mention on the pages listed; a maker may still offer finance if you ask.
Dealers: finance on offer, figures kept back
Morgan Ellis has offered “month-by-month finance” since December 2020 but says the rates “will differ on a case to case basis”, and its 2025 cost comparison carries no monthly figure. My Mobility UK sells a Stiltz Duo+ at £14,000 and shows one representative example sitewide: a £5,000 purchase at 15.9% APR over 36 months, £131 a month. That example is a third of the price of the lifts on the page. Platform Lift UK says personal loans of £15,000 to £25,000 “typically range from around 6% to 12% APR”, without a source or a monthly figure.
Cut what you borrow first
Every pound you do not borrow saves you 28p on a six-year plan at 9.9%. Two things can take thousands off the price before finance comes into it.
- 0% VAT. Stiltz’s examples assume no VAT. If you pay 20%, the £18,950 lift becomes £22,740 and the same 10% deposit, six-year plan rises from £311.51 to about £374 a month. If the lift is for someone with a long-term illness or disability, it can be zero-rated. Check if you qualify for VAT relief.
- The Disabled Facilities Grant. Up to £30,000 in England, £36,000 in Wales and £35,000 in Northern Ireland, which can cover a through-floor lift in full. If a grant leaves a £5,000 gap, financing that gap over six years at 9.9% is about £91 a month. Check your grant eligibility.
- A reconditioned lift. From about £8,000 installed, or about £131 a month on the same plan. Reconditioned home lifts explained.
Get quotes and ask each installer for its finance example
Tell us about your home and the lift you need, and we’ll pass your details to installers who cover your area. Ask each one for its representative APR, the total amount payable and whether its quote includes VAT. It’s free, with no obligation.
Your protection when you buy a home lift on finance
- Section 75 can make the lender liable too. The Financial Ombudsman says section 75 “can apply to point-of-sale loans used to buy goods or services”, where the cash price is more than £100 but not more than £30,000 (Financial Ombudsman; Consumer Credit Act s75). Most through-floor lifts sit under that line. Many vacuum, hydraulic and traction lifts do not. A personal loan paid into your own account does not give you this joint claim.
- You have 14 days to change your mind. You can withdraw from most regulated credit agreements without giving a reason, within 14 days (Consumer Credit Act s66A).
- Take finance away from the sales visit. Novuna, Stiltz’s lender, says that “Instead of finance being sold in the home, the customer will ring a dedicated phone line after their initial appointment” (Novuna case study). Whoever you buy from, you can do the same.
- Expect a credit check. Stiltz says finance is “subject to status and affordability” and, if you are turned down, suggests you “leave at least 6 months between applications”.
- Check the firm on the FCA register. Anyone arranging credit for you should be authorised. Stiltz gives its FCA number (834541) on every page.
Home lift finance: questions
How much is a home lift per month?
On the 9.9% APR, six-year plan Stiltz publishes, a through-floor home lift from £13,000 works out at about £214 a month after a £1,300 deposit, and a £25,000 lift at about £411. Stiltz’s own examples for an £18,950 Duo Classic run from £221.43 a month (half paid up front, four years at 5.9% APR) to £467.84 (buy now pay later at 14.9% APR). Your rate depends on the lender and your credit.
Can you buy a home lift on finance?
Yes. Stiltz publishes finance examples and arranges credit through Mitsubishi HC Capital UK, and dealers such as Morgan Ellis and My Mobility UK offer finance through partners. Credit is subject to status and affordability, so you will be credit checked.
Which home lift companies publish their finance terms?
Of the 11 UK home lift makers we checked on 4 October 2026, only Stiltz publishes finance terms. Aritco and SWIFT mention finance without any rates or examples. Lifton, Terry Lifts, Stannah’s Uplifts, Cibes, Gartec, Wessex, Companion and Pollock say nothing about finance on the pages we could read.
Is 0% finance available on a home lift?
We found no published 0% offer for a home lift. The lowest published rate is Stiltz’s 5.9% APR, which needs half the price as a deposit and runs for four years. Ask any installer that mentions interest-free credit for the representative example in writing.
Can you rent a home lift?
We found no home lift rental offer from any of the 11 makers we checked. Rental is common for stairlifts, not home lifts. A reconditioned home lift, from about £8,000, is the cheaper route, at about £131 a month on the same six-year plan.
Does VAT relief change the monthly cost of a home lift?
Yes. Stiltz’s examples exclude VAT. If you do not qualify for 0% VAT, the £18,950 lift becomes £22,740 and the same 10% deposit, six-year plan rises from £311.51 to about £374 a month. Check whether you qualify before you sign.
Am I protected if I buy a home lift on finance?
Finance arranged by the seller can give you a claim against the lender as well as the installer under section 75 of the Consumer Credit Act, if the cash price is more than £100 and not more than £30,000. You can also withdraw from most regulated credit agreements within 14 days without giving a reason.
How we checked this. On 4 October 2026 we read the homepage, FAQ and price or buying guide of 11 UK home lift makers (Stiltz, Lifton, Terry Lifts, Stannah’s Uplifts, Cibes, Aritco, Gartec, SWIFT, Wessex Lifts, Companion and Pollock) in a browser, and searched each page for finance, APR, monthly payments, interest-free credit and rental. We then read the finance pages of three dealers and guides (Morgan Ellis, My Mobility UK, Platform Lift UK). Every quote here was re-read the same day.
How the monthly figures are worked out. The monthly figures by lift type use the standard annuity formula with the monthly rate taken from the APR, applied to 90% of the lowest and highest price in each band over 72 months. On Stiltz’s £17,055 of credit this gives £311.48 against the £311.51 Stiltz publishes. Price bands come from our price guide and the price tracker.
Not financial advice. UK Homelifts is not a lender or a credit broker and does not arrange finance. The figures on this page are illustrations from published examples, not offers of credit. Your rate will depend on the lender and your circumstances.
Independence. UK Homelifts is an independent guide. No company on this page paid to be included. If you ask for quotes through us, we pass your details to installers.
Related
Home lift prices · Cost calculator · VAT on a home lift · Grants and the DFG · Cheapest home lift UK · Home lift vs the cost of care · Stiltz review
Compiled by the UK Homelifts research team. Maker finance pages checked 4 October 2026. We recheck them every quarter.