Freightliner Financing

Freightliner moves more freight miles than any other Class 8 brand in North America, and most of those miles run on trucks someone had to finance. Whether you are adding your second Cascadia or buying a used Columbia to test a new lane, the deal structure matters as much as the truck itself. We work with owner-operators who have one truck on order and fleets that are replacing a dozen units at once.

The Cascadia is the volume workhorse. The Coronado still draws buyers who want a traditional long-hood aesthetic with modern emissions compliance. The Columbia and older trucks round out the used market for operators who want low cost per mile on proven iron. We finance all of them, new off the lot or used with miles on the clock.

Freightliner's Detroit Diesel powertrain lineup, particularly the DD15 and DD16, has a strong reputation for fuel economy on long highway runs. That resale value holds reasonably well, which means lenders are generally comfortable with the collateral. That comfort translates to better terms for you.

The Equipment Options is the most commonly financed truck in our portfolio. The 2020-and-newer generation introduced the Detroit Assurance 5.0 collision mitigation system and improved aerodynamics that push fuel economy toward 10 MPG on optimized highway routes. Sleeper configurations range from a 48-inch mid-roof to a 72-inch raised-roof condo. New units typically price between $150,000 and $190,000 depending on spec; used 2018-2022 examples trade from roughly $80,000 to $130,000.

The Financing Options is the conventional long-hood option for buyers who prefer a set-forward front axle and the classic big-rig look. It runs the same DD13 and DD15 engine options as the Cascadia. Buyers in flatbed and heavy haul gravitate toward it for the weight distribution and visibility it gives drivers on wide loads.

The Get Fleet Terms is older iron, but a well-maintained Columbia in the 2008-2015 range still represents solid value in the used market. Monthly payments on a financed Columbia can run several hundred dollars less than a newer Cascadia, which matters when you are putting a second driver in a truck and watching cost per mile carefully.

• New Cascadia: $150,000-$190,000 new sticker
• Used Cascadia (2018-2022): $80,000-$130,000 market range
• Coronado: popular in flatbed and heavy haul lanes
• Columbia: used market value, lower entry cost
• DD13, DD15, DD16 engine options across lineup

Most of our Freightliner deals fit one of a few scenarios. The first is the owner-operator who has run under a carrier for three or four years, saved enough for a down payment, and is ready to get their own authority. They want a newer Cascadia because the warranty and fuel economy reduce their operating risk while they are still building their book of business. We see a lot of owner-operator financing requests in this category.

The second group is the small fleet, two to ten trucks, that is replacing aging units before the maintenance costs spike. They want to roll two or three trucks at a time and keep the monthly payment manageable without liquidating cash reserves. Our fleet financing programs can structure multiple units on a single application in many cases.

The third group is the startup carrier. They just got their MC number and need their first truck. We offer new authority truck financing for carriers with less than a year of operating history. Rates are higher and down payment requirements are larger for new authority, but the deal can still be done.

Drivers working OTR long-haul routes tend to spec Cascadias with larger sleepers. Drivers doing regional work, running a city-to-city circuit home most nights, often prefer a day cab or a smaller sleeper. We can finance both configurations.