Miles
565,573 mi
Year
2020
Engine
Volvo D13
Horsepower
425 HP
Transmission
Automatic
Axle Config
6x4
Ryder Used Trucks
Kansas City, MO
1 / 9VIN
4V4WC9EH7LN255647
NHTSA VerifiedStock #
ryder-243424
Dealer
Ryder Used Trucks
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2020 Volvo VNR 640 · 565,573 mi
Est. monthly
$904.72
Pre-tax purchase price
$4,731
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
$43,078
Total interest
$11,205
Total cost
$59,014
Effective / month
$904.72
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 14, 2026
$47,309
Mar 1, 2026
$50,309
Market Index
2020 Volvo VNR 640 D13
Median Price
$39,250
This listing
21% above market median
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