Miles
487,177 mi
Year
2020
Engine
Volvo D13
Horsepower
425 HP
Transmission
Automatic
Axle Config
6x4
Ryder Used Trucks
Charlotte, NC
1 / 11VIN
4V4WC9EH9LN260140
NHTSA VerifiedStock #
ryder-249683
Dealer
Ryder Used Trucks
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2020 Volvo VNR 640 · 487,177 mi
Est. monthly
$1,020.27
Pre-tax purchase price
$5,342
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
$48,580
Total interest
$12,636
Total cost
$66,558
Effective / month
$1,020.27
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 22, 2026
$53,422
Apr 7, 2026
$50,995
Mar 13, 2026
$50,422
Mar 1, 2026
$50,768
Market Index
2020 Volvo VNR 640 D13
Median Price
$39,250
This listing
36% above market median
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