Equipment payment calculator
Get a quick ballpark before you apply. These are estimates. Your real rate and payment are confirmed after we review your credit and application.
Estimate your monthly payment
Towing · construction · vocational equipment
Estimate only and not an offer of financing. Actual rate, term, and payment depend on your full credit profile, the equipment, and approval by our lending partners. Payments are calculated from illustrative rate ranges by credit tier, not quotes.
How equipment payments work
How is an equipment financing payment calculated?
An equipment financing payment comes down to four things: the amount financed (the price minus your down payment), the term in months (up to 72), the interest rate, and your credit profile. The calculator estimates a monthly payment from the amount, down payment, and term you set. Your exact rate and payment are confirmed after a quick credit-based pre-qualification.
How much down payment do I need?
It scales with credit. Strong credit can qualify for as little as $0 down up to a set amount; challenged credit and startups typically need 20–40% down on 2017-or-newer equipment. Try different down payments in the calculator to see how each changes the monthly payment.
What term lengths are available?
Equipment financing terms run up to 72 months. A longer term lowers the monthly payment but raises the total interest paid; a shorter term does the opposite. The right term depends on the equipment's age and how hard you run it.
Is the calculator's payment my final rate?
No. It's an estimate to help you plan. Your real rate and payment are set after we review your credit and application. Pre-qualifying takes a few minutes and carries no obligation.