Miles
314,743 mi
Year
2019
Engine
Volvo D13
Horsepower
425 HP
Transmission
Automatic
Axle Config
6x4
Penske Used Trucks
Norton, MA
1 / 10VIN
4V4WC9EH1KN198005
NHTSA VerifiedStock #
penske-212174
Dealer
Penske Used Trucks
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2019 Volvo VNR 640 · 314,743 mi
Est. monthly
$700.41
Pre-tax purchase price
$3,650
Owner-ops: 10–20% typical
Prime 7–9% · Median 9–12% · Subprime 14%+
Deducted from financed amount
Drives Federal Excise Tax (FET)
Skip if straight truck under 33k GVWR or trailer under 26k GVWR.
Off — used vehicles are exempt
$0
Often 0% for interstate commercial use
Some states cap (CA $85, NY $75)
State title + lien fee
Lowers monthly; paid as lump at term
Amount financed
$33,350
Total interest
$8,675
Total cost
$45,675
Effective / month
$700.41
Estimate only. Actual financing depends on credit, dealer program, and lender terms. Heavy-truck APRs typically range 7–18% depending on credit tier, vehicle age, and LTV. Interstate commercial-use purchases are often exempt from state sales tax. TruckRadar is not a lender. Consult a commercial-vehicle lender for binding quotes.
Apr 28, 2026
$36,500
Apr 14, 2026
$39,500
Mar 3, 2026
$36,500
Market Index
2019 Volvo VNR 640 D13
Median Price
$41,450
This listing
12% below market median
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