Miles
494,390 mi
Year
2020
Engine
Volvo D13
Horsepower
425 HP
Transmission
Automatic
Axle Config
6x4
Penske Used Trucks
Chicopee, MA
1 / 10VIN
4V4WC9EH4LN259185
NHTSA VerifiedStock #
penske-CW823
Dealer
Penske Used Trucks
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2020 Volvo VNR 640 · 494,390 mi
Est. monthly
$657.88
Pre-tax purchase price
$3,425
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
$31,325
Total interest
$8,148
Total cost
$42,898
Effective / month
$657.88
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.
Market Index
2020 Volvo VNR 640 D13
Median Price
$39,250
This listing
13% below market median
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