2025 Volvo VNL 860

$157,350

UsedClass 8Sleeper Truck

CHARLOTTE, NC

Miles

116,500 mi

Year

2025

Engine

Volvo D13

Horsepower

475 HP

Transmission

Automated Manual

Axle Config

6x4

Description

TRACTOR HAS THE BALLANCE OF ENGINEPLAN 2 48 MONTHS/500,000 MILES OR UNTIL 07/31/2028. EXHAUST AFTERTREATMENT 48 MONTHS 500,000 MILES OR UNTIL 07/31/2028. T6RANS WARRANTY 60 MONTHS/750,000 MILES OR UNTIL 07/31/2029. CLUTCH WARRANTY 36 MONTHS/ 350,000 MILES OR UNTIL 07/31/2027. CARB EMISSION 60 MONTHS/350,000 MILES OR UNTIL 07/31/2029. ENGINE HAS 3,200 HOURS.

Specifications

Engine

Make: Volvo
Model: D13
HP: 475
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automated Manual

Dealer

"Vanguard

CHARLOTTE, NC

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2025 Volvo VNL 860

$157,350

UsedClass 8Sleeper Truck

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Chassis

Wheelbase: 225"
GVWR: 53,200 lbs
Front Axle: 13,200 lbs
Rear Axle: 40,000 lbs

Equipment

Engine Brake: Yes

Details

Mileage: 116,500 mi
Body Type: Truck-Tractor

VIN

4V4NC9EJ1SN685655

NHTSA Verified

Stock #

vanguard-scrape-1272710

Dealer

"Vanguard

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Market Index

2025 Volvo VNL 860 D13

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Median Price

$149,850

This listing

5% above market median

Active listings

Specifications

Engine

Make: Volvo
Model: D13
HP: 475
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automated Manual
Axle Config: 6x4
Rear Ratio: 2.85

Chassis

Wheelbase: 225"
GVWR: 53,200 lbs
Front Axle: 13,200 lbs
Rear Axle: 40,000 lbs

Equipment

Engine Brake: Yes

Details

Mileage: 116,500 mi
Body Type: Truck-Tractor

Description

Finance calculator

2025 Volvo VNL 860 · 116,500 mi

Est. monthly

$2,984.68

Vehicle price

Pre-tax purchase price

Term (months)

Down payment (10%)

$15,735

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

$142,115

Total interest

$36,966

Total cost

$194,816

Effective / month

$2,984.68

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.