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.
LOAN
TRAC LEASE
LOAN
LOAN
LOAN
LOWER PAYMENTS
Minimal Up-Front Cash Outlay
PAYMENTS QUALIFY AS OPERATING EXPENSE ON INCOME STATEMENT
WALK-AWAY LEASE
CAPITAL LEASE FOR ACCOUNTING PURPOSES
AVOIDS OBSOLESCENCE RISK
NO RESIDUAL RISK
NO MILEAGE RESTRICTIONS
RETAINS TAX DEPRECIATION BENEFITS
PAYMENTS DEDUCTIBLE AS OPERATING EXPENSE FOR TAX PURPOSES
CAN BE STRUCTURED AS A DYNAMIC LEASE
LOAN
NO MILEAGE RESTRICTIONS
RETAINS TAX DEPRECIATION BENEFITS
TRAC LEASE
LOWER PAYMENTS
MINIMAL UP-FRONT CASH OUTLAY
CAPITAL LEASE FOR ACCOUNTING PURPOSES
AVOIDS OBOLESCENCE RISK
NO MILEAGE RESTRICTIONS
PAYMENTS DEDUCTIBLE AS OPERATING EXPENSE FOR TAX PURPOSES
CAN BE STRUCTURED AS A DYNAMIC LEASE
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.
