Side-by-side breakdown
● indicates the winner on that row
| Параметр | New (2026 Cascadia/VNL) | Used (2022 same model) |
|---|---|---|
| Average price | $165,000–$185,000 | ●$108,000–$128,000 |
| Down payment (10%) | $16,500–$18,500 | ●$10,800–$12,800 |
| Avg APR (700+ FICO) | ●8.4% | 9.9% |
| Loan term available | ●up to 84 months | up to 60 months |
| Year-1 depreciation hit | ~14% | ●~9% |
| Manufacturer warranty | ●2 yr / 250k mi powertrain | Expired |
| Avg unplanned downtime/yr | ●~2.5 days | ~6 days |
| Maintenance reserve needed | ●$0.10/mile | $0.16/mile |
Pros & cons
Option A
New truck
- Full warranty + dealer goodwill on early issues
- Lower APR — lenders like new collateral
- Latest fuel-economy and emissions tech
- Up to 84-month financing keeps payments low
- Section 179 + bonus depreciation tax benefits
- Steepest depreciation in year 1
- Bigger down payment in absolute dollars
- Higher insurance premiums
Option B
Used truck (3–5 yr)
- Skip the year-1 depreciation cliff
- Lower entry price — less capital at risk
- Cheaper insurance
- Easier to step up from your first truck
- Higher APR (~150 bps premium)
- Maximum 60-month term — bigger payments
- No warranty — major repair risk after 600k miles
- More downtime = more lost revenue
Cumulative cost of ownership over 5 years
Class 8 sleeper, 120k mi/yr — finance + fuel + maint + insurance
- New (2025 model)
- Used (3-year-old)
Источник: ATRI 2025 · Brobas underwriting
Average financing APR by truck age
700+ FICO, 60-month equipment loan
Источник: Brobas Capital lender panel, Q1 2026
Run the numbers yourself