Volvo trucks have carved out a strong position in the North American market, particularly with fleets focused on driver retention and fuel efficiency. The VNL 860 and VNL 760 sleepers are among the most comfortable cabs on the road, while the VNR handles regional work efficiently.
Volvo Truck Pricing
| Model | New MSRP | Used (3-5 yr) | Best For |
|---|---|---|---|
| VNL 860 (sleeper) | $155,000-$185,000 | $70,000-$115,000 | Long haul, team driving |
| VNL 760 (mid-roof) | $145,000-$175,000 | $65,000-$105,000 | OTR, moderate sleeper |
| VNL 300 (day cab) | $125,000-$155,000 | $55,000-$90,000 | Regional, drayage, local |
| VNR 400 | $110,000-$140,000 | $50,000-$85,000 | Regional distribution |
| VNR 300 | $100,000-$130,000 | $45,000-$75,000 | Urban distribution |
| VHD 300 | $150,000-$190,000 | $70,000-$120,000 | Vocational, dump, mixer |
| VNR Electric | $275,000-$375,000 | Very limited | Zero emission urban |
Why Fleets Love Volvos (and Why Lenders Do Too)
Volvo has invested heavily in safety, fuel efficiency, and driver comfort. The I-Shift automated transmission is now standard, reducing driver fatigue and improving fuel economy. For lenders, this translates to:
- Lower operating costs mean borrowers are more likely to keep up with payments
- Fleet adoption creates strong used market demand
- Volvo Financial Services sets competitive benchmarks other lenders must match
- Uptime guarantees through Volvo's dealer network reduce downtime risk
Volvo Financial Services vs Independent Financing
Volvo Financial Services (VFS) is Volvo's captive lender. They offer:
| Feature | Volvo Financial | Brobas (91+ lenders) |
|---|---|---|
| New Volvo rates | Promotional, very competitive | Market competitive |
| Used Volvo rates | Good | Can often beat on older models |
| Other brands | No | Yes, any brand |
| Credit flexibility | 680+ typically | 550+ possible |
| Startup programs | Limited | Available through select lenders |
| Application speed | 3-5 days | 1-3 days |
Our recommendation: Get a VFS quote on new Volvos, then compare with Brobas. For used Volvos or if your credit is below 680, start with Brobas.
The VNL 860 for Owner Operators
The VNL 860 has become the truck of choice for owner operators who prioritize comfort on long runs. The 77-inch raised roof sleeper offers stand-up room, a full-size bunk, and optional amenities like a fridge, microwave, and inverter.
From a financing perspective, the VNL 860 holds its value well. A 2023 model in good condition still commands $80,000-$100,000, making it a strong collateral asset for lenders.
Monthly payment example: A 2023 VNL 860 at $95,000 with 20% down:
- 48 months at 8.99% APR: ~$1,893/month
- 60 months at 8.99% APR: ~$1,576/month
VHD for Construction and Vocational
The Volvo VHD is built for severe duty applications. It competes with the Mack Granite and Kenworth T880 in the vocational market. Common configurations include:
- Dump bodies (single through quad axle)
- Concrete mixers
- Roll-off containers
- Plow trucks
- Heavy haul tractors
VHD financing may require additional documentation about the body and application, especially for specialized builds.
Financing Tips for Volvo Buyers
- Check Volvo's current incentives: They often run promotional rates on specific models
- Consider CPO (Certified Pre-Owned): Comes with Volvo warranty, which helps financing
- I-Shift equipped trucks finance easier: Lenders know automated trans means less driver damage
- Volvo Action Service: Mention this to lenders as a risk mitigator (24/7 breakdown support)
Get Your Volvo Financed
Brobas Capital Partners finances Volvos of every model and year. Whether you're a first-time buyer or adding to your fleet, we'll find the right lender for your situation.
Apply at brobascap.com or call (773) 691-3925