Yes. Used HGVs are financed every day, and for many operators a well-chosen second-hand truck is the more sensible buy. Lenders assess age, recorded mileage, service history, MOT status and the source of the vehicle. Older or higher-mileage trucks may attract a shorter term or a larger deposit.
The main thing a lender is judging is what the vehicle would be worth if they ever had to sell it. That is why a truck from a recognised dealer with a documented service record is generally easier to fund than a private sale with thin paperwork. Some lenders set an upper age limit, or cap the age the vehicle may reach by the end of the agreement.
A used truck costs less to buy, which usually means a smaller monthly commitment and less depreciation to absorb. Against that, an older vehicle carries a higher risk of downtime and repair bills, and it will not always meet the emissions standards required for particular contracts or clean air zones. Those costs do not pause your finance payments.
Get an independent inspection or a dealer warranty where you can, and tell us the year, mileage and source of the truck early. It lets us point the enquiry at lenders who are comfortable with that age profile instead of collecting declines.