2020 Volvo VNR 640

$39,750

UsedClass 8Sleeper Truck

West Sacramento, CA

Miles

525,674 mi

Year

2020

Engine

Volvo D13

Horsepower

425 HP

Transmission

Automatic

Axle Config

6x4

Specifications

Engine

Make: Volvo
Model: D13
HP: 425
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automatic

Dealer

Penske Used Trucks

West Sacramento, CA

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2020 Volvo VNR 640

$39,750

UsedClass 8Sleeper Truck

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West Sacramento, CA

Chassis

Wheelbase: 174"
GVWR: 88,000 lbs
Front Axle: 12,500 lbs
Rear Axle: 40,000 lbs
Susp. Rear: Air

Details

Mileage: 525,674 mi
Body Type: Truck-Tractor

VIN

4V4WC9EH9LN258971

NHTSA Verified

Stock #

penske-CW940

Dealer

Penske Used Trucks

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Market Index

2020 Volvo VNR 640 D13

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Median Price

$39,250

This listing

Near market median

Active listings

129

Specifications

Engine

Make: Volvo
Model: D13
HP: 425
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automatic
Axle Config: 6x4
Rear Ratio: 2.64

Chassis

Wheelbase: 174"
GVWR: 88,000 lbs
Front Axle: 12,500 lbs
Rear Axle: 40,000 lbs
Susp. Rear: Air

Details

Mileage: 525,674 mi
Body Type: Truck-Tractor

Finance calculator

2020 Volvo VNR 640 · 525,674 mi

Est. monthly

$761.84

Vehicle price

Pre-tax purchase price

Term (months)

Down payment (10%)

$3,975

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

$36,275

Total interest

$9,436

Total cost

$49,686

Effective / month

$761.84

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.