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2020 Volvo VNL 860

$39,900

UsedClass 8Sleeper Truck

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2020 Volvo VNL 860

$39,900

UsedClass 8Sleeper Truck

AUSTIN, TX

Miles

672,051 mi

Year

2020

Engine

Volvo D13TC

Horsepower

425 HP

Transmission

Automated Manual

Axle Config

6x4

Description

D13TC - 455HP. COLLISION AVOIDANCE. LANE DEPART WARNING. ADAPTIVE CRUISE. WORKSTATION. FRIDGE. 13,2K FA. 40K RA. 2.47 RATIO. 235'' WB. 2 X 100GAL TANKS. CHROME BUMPER W/ GUARD. LEATHER SEATS. FINANCE AVAILABLE. HABLAMOS ESPAÑOL.

Specifications

Engine

Make: Volvo
Model: D13TC
HP: 425
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automated Manual
Axle Config: 6x4
Rear Ratio: 2.47

Chassis

Wheelbase: 235"
GVWR: 33,001 lbs
Front Axle: 13,200 lbs
Rear Axle: 40,000 lbs

Details

Mileage: 672,051 mi
Body Type: Truck-Tractor

Dealer

"Vanguard

AUSTIN, TX

VIN

4V4NC9EH1LN205404

NHTSA Verified

Stock #

vanguard-scrape-1049353

Dealer

"Vanguard

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Market Index

2020 Volvo VNL 860 D13TC

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Median Price

$39,900

This listing

Near market median

Active listings

Specifications

Engine

Make: Volvo
Model: D13TC
HP: 425
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automated Manual
Axle Config: 6x4
Rear Ratio: 2.47

Chassis

Wheelbase: 235"
GVWR: 33,001 lbs
Front Axle: 13,200 lbs
Rear Axle: 40,000 lbs

Details

Mileage: 672,051 mi
Body Type: Truck-Tractor

Description

Features

RefrigeratorChrome PackageAdaptive CruiseCollision Mitigation

Finance calculator

2020 Volvo VNL 860 · 672,051 mi

Est. monthly

$764.68

Vehicle price

Pre-tax purchase price

Term (months)

Down payment (10%)

$3,990

Owner-ops: 10–20% typical

APR (9.50%)

Prime 7–9% · Median 9–12% · Subprime 14%+

Trade-in value

Deducted from financed amount

Condition

Drives Federal Excise Tax (FET)

Federal Excise Tax (FET)

FET applies$0

Skip if straight truck under 33k GVWR or trailer under 26k GVWR.

Off — used vehicles are exempt

Sales tax (0.00%)

Often 0% for interstate commercial use

Doc fee

Some states cap (CA $85, NY $75)

Title + registration

State title + lien fee

Balloon payment at end

Lowers monthly; paid as lump at term

Apply Section 179 first-year deduction

Heavy trucks (GVWR > 14,000 lbs) qualify for full deduction up to $1,220,000 in 2026. Assumes purchase in service this tax year. Consult a CPA.

Amount financed

$36,410

Total interest

$9,471

Total cost

$49,871

Effective / month

$764.68

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.