Financing
Western Star Trucks Are Made For You.
Only makes sense we do the same for financing.
As the captive finance provider for Daimler Truck North America since 1974, and an exclusive lender for Western Star vehicles since 1998, Daimler Truck Financial strives to offer the best products and services in the commercial vehicle industry. By understanding your business needs, we bring value by developing flexible finance solutions for owner-operators, fleet customers and equipment customers. That's why Daimler Truck Financial finances more Western Star vehicles that anyone in the business.
We have multiple finance and lease options to suit your needs no matter your business goals. Below is an at-a-glance look at each product's key features.
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LOAN
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TRAC LEASE
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MODIFIED TRAC LEASE
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ZERO TRAC LEASE
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FMV LEASE
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LOWER PAYMENTS
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Minimal Up-Front Cash Outlay
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PAYMENTS QUALIFY AS OPERATING EXPENSE ON INCOME STATEMENT
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WALK-AWAY LEASE
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CAPITAL LEASE FOR ACCOUNTING PURPOSES
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AVOIDS OBSOLESCENCE RISK
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NO RESIDUAL RISK
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NO MILEAGE RESTRICTIONS
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RETAINS TAX DEPRECIATION BENEFITS
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PAYMENTS DEDUCTIBLE AS OPERATING EXPENSE FOR TAX PURPOSES
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CAN BE STRUCTURED AS A DYNAMIC LEASE
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LOAN
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NO MILEAGE RESTRICTIONS
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-
RETAINS TAX DEPRECIATION BENEFITS
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TRAC LEASE
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-
LOWER PAYMENTS
-
-
MINIMAL UP-FRONT CASH OUTLAY
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-
CAPITAL LEASE FOR ACCOUNTING PURPOSES
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-
AVOIDS OBOLESCENCE RISK
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NO MILEAGE RESTRICTIONS
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PAYMENTS DEDUCTIBLE AS OPERATING EXPENSE FOR TAX PURPOSES
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-
CAN BE STRUCTURED AS A DYNAMIC LEASE
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MODIFIED TRAC LEASE
-
-
LOWER PAYMENTS
-
-
MINIMAL UP-FRONT CASH OUTLAY
-
-
PAYMENTS QUALIFY AS OPERATING EXPENSE ON INCOME STATEMENT
-
-
AVOIDS OBOLESCENCE RISK
-
-
NO MILEAGE RESTRICTIONS
-
-
PAYMENTS DEDUCTIBLE AS OPERATING EXPENSE FOR TAX PURPOSES
-
-
CAN BE STRUCTURED AS A DYNAMIC LEASE
-
ZERO TRAC LEASE
-
-
LOWER PAYMENTS
-
-
MINIMAL UP-FRONT CASH OUTLAY
-
-
CAPITAL LEASE FOR ACCOUNTING PURPOSES
-
-
AVOIDS OBOLESCENCE RISK
-
-
NO RESIDUAL RISK
-
-
NO MILEAGE RESTRICTIONS
-
FMV LEASE
-
-
LOWER PAYMENTS
-
-
MINIMAL UP-FRONT CASH OUTLAY
-
-
PAYMENTS QUALIFY AS OPERATING EXPENSE ON INCOME STATEMENT
-
-
WALK-AWAY LEASE
-
-
AVOIDS OBOLESCENCE RISK
-
-
NO RESIDUAL RISK
-
-
PAYMENTS DEDUCTIBLE AS OPERATING EXPENSE FOR TAX PURPOSES
-
-
CAN BE STRUCTURED AS A DYNAMIC LEASE
Specialty Financing
Daimler Truck Financial.
Specialty Financing Products Tailored For You.
Vocational Trucks
We understand that vocational equipment has different uses and life cycles, which is why we have a team of vocational experts who specialize in developing custom finance solutions for all vocational segments and can finance the truck, body, and additional equipment into one package.
We offer a variety of finance options to our vocational customers:
- Loans
- TRAC Leases
- Modified TRAC Leases
- Zero TRAC Leases
We also offer flexible payment options:
- Balloon Payments
- Skip/Seasonal/Token Payments
- Delayed First Payment
- Step Payments
- Extended Terms
- Lines of Credit
Municipalities
We know that having the right trucks and equipment while making the most of your operating budget is a primary concern for municipalities. With tax-exempt financing, you can increase your purchasing power and stretch your budget.
Tax-exempt financing offers:
- Low-cost, tax-exempt capital
- Up to 100% financing with no down payment and lower interest rates
- Up to 84-month terms
- Payments that are not considered debt
- Ability to treat the purchase as an operating expense
We also offer flexible payment options:
- Balloon Payments
- Flexible Payment Schedules
- Extended Terms
- Annual Arrears
FINANCING CALCULATORS
PLAN YOUR PURCHASE WITH CONFIDENCE.
MAKE INFORMED FINANCIAL DECISIONS FOR YOUR TRUCK PURCHASE.
Navigating the financial aspects of purchasing a truck can be complex, but Western Star is here to help simplify the process. We understand that determining the right loan amount and planning your monthly payments are crucial steps in your buying journey. To assist you, we recommend utilizing the Affordability and Payment Calculators provided by Daimler Truck Financial.
The Affordability Calculator is a valuable tool that estimates the approximate loan amount you can afford based on your financial situation. By inputting your desired monthly payment, down payment/ trade in value, and other financial details, you can get an estimate of the truck price range that fits your budget. This helps you make informed decisions, ensuring that you choose a vehicle that aligns with your financial goals.
In addition to understanding your budget, it's essential to plan your monthly payments accurately. The Payment Calculator assists with this by helping you determine your approximate monthly payment. By entering the truck sales price, interest rate, loan term, and other financial details, you can generate an estimate of your monthly payments. This allows you to create various scenarios to help determine a payment structure that suits your needs.
Contact
To learn more about how we can help your business succeed, visit Daimler Truck Financial or contact your local Western Star dealer.
For more information about the variety of financing and protection products Daimler Truck Financial offers, click below to view our brochures.