Commercial Truck Loan Calculator
Estimate the monthly payment on a commercial truck, box truck or vocational vehicle loan for business use.
For reference, the U.S. Prime Rate is currently 6.75% (source: Federal Reserve H.15, as of 2026-08-13). Lenders price commercial truck loans as Prime plus a margin set by your credit and term, so the rate you are quoted will usually sit above this. Enter the actual rate a lender offered. This benchmark is context only and never enters the calculation.
Buying through a business and holding a lease quote as well? One page totals what each route costs to actually own the truck. Compare a loan against a lease →
commercial truck loan questions
Is a commercial truck loan different from a personal auto loan?
Yes. It is underwritten on the business, often reports to commercial credit, and may offer tax advantages a personal loan does not.
How this estimate is built
The model
Figures assume a fixed rate and equal monthly payments; sales tax and trade-in are optional and adjust the financed amount. Some commercial truck loans use balloon, seasonal or simple-interest structures this tool doesn’t model. The interest rate is the one you enter from your lender, not a figure we set. Confirm any offer with the lender.
Not a lender
Asset Loan Calculator is independent and is not a lender, broker, or affiliate of any lender. Nothing here is a loan offer or financial advice. For real quotes, compare lenders and local credit unions directly.