Buying a truck with cash - rather than securing financing - sounds smart, but determining if that is the
best solution for you is not quite as simple. Choosing between cash or financing should be based on
your long-term business goals; not merely on whether you have available cash in the bank.
PACCAR Financial has identified compelling benefits for financing that you should consider before
you decide which option is best for you.
When you finance your truck purchase, you are keeping your options open. Growing your business
takes cash; and business opportunities sometimes present themselves unexpectedly. Having
available cash puts you in a position to benefit when opportunity arises, so why tie up your cash in
When you finance your truck to maintain a cash cushion, you remain flexible and better prepared to
cope with unforeseen circumstances. Fuel prices, competition, economic factors and labor costs are
just some of the issues facing the trucking industry on a daily basis.
When you choose to finance, you are allowing yourself to take advantage of the variety of options
available - each with differentiating benefits in order to best suit your needs. At PACCAR Financial,
we offier different loan types including such options as variable-rate or fixed-rate loans, balloon
payments or seasonal payments. Some of our lease options include TRAC, modified TRAC or FMV.
Securing financing for your truck purchase is a good way to build or improve your business credit
rating. A good credit rating provides a strong foundation for your business, which means you’ll have
another level of security during all types of business climates.
At PACCAR Financial, we offer flexible financing options to fit your individual circumstances. For
more information on how PACCAR Financial can customize a finance solution for you, please call
800-777-8525 or visit your local Peterbilt or Kenworth dealer.