Year
2024
Fuel
Diesel
"HOLT
Irving, TX
1 / 14VIN
4U3J04828RL022234
NHTSA VerifiedStock #
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Dealer
"HOLT
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2024 XL Specialized
Est. monthly
$2,027.31
Pre-tax purchase price
$10,670
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
$96,530
Total interest
$25,109
Total cost
$132,309
Effective / month
$2,027.31
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.
