Miles
543,559 mi
Year
2020
Engine
Cummins ISX15L
Horsepower
475 HP
Transmission
Manual
Axle Config
6x4
Ryder Used Trucks
Ashland, VA
1 / 10VIN
4V4NC9TJ3LN250981
NHTSA VerifiedStock #
ryder-894185
Dealer
Ryder Used Trucks
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2020 Volvo VNL 860 · 543,559 mi
Est. monthly
$1,188.19
Pre-tax purchase price
$6,231
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
$56,575
Total interest
$14,716
Total cost
$77,522
Effective / month
$1,188.19
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
$62,306
Apr 22, 2026
$65,306
Mar 1, 2026
$68,306
Market Index
2020 Volvo VNL 860 ISX15L
Median Price
$62,306
This listing
Near market median
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