2025 Volvo VNR 640

$170,000

UsedClass 8Box Truck

Omaha, NE

Miles

3,359 mi

Year

2025

Engine

Volvo D13

Horsepower

405 HP

Transmission

Automatic

Axle Config

6x4

Specifications

Engine

Make: Volvo
Model: D13
HP: 405
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automatic

Dealer

Penske Used Trucks

Omaha, NE

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2025 Volvo VNR 640

$170,000

UsedClass 8Box Truck

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Omaha, NE

Chassis

Wheelbase: 237"
GVWR: 52,000 lbs
Front Axle: 12,500 lbs
Rear Axle: 40,000 lbs
Susp. Rear: Air

Details

Mileage: 3,359 mi
Body Type: Incomplete - Commercial Chassis

VIN

4V5WC9EG8SN689531

NHTSA Verified

Stock #

penske-549112

Dealer

Penske Used Trucks

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Market Index

2025 Volvo VNR 640 D13

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Median Price

$158,488

This listing

7% above market median

Active listings

Specifications

Engine

Make: Volvo
Model: D13
HP: 405
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automatic
Axle Config: 6x4
Rear Ratio: 2.85

Chassis

Wheelbase: 237"
GVWR: 52,000 lbs
Front Axle: 12,500 lbs
Rear Axle: 40,000 lbs
Susp. Rear: Air

Details

Mileage: 3,359 mi
Body Type: Incomplete - Commercial Chassis

Finance calculator

2025 Volvo VNR 640 · 3,359 mi

Est. monthly

$3,223.79

Vehicle price

Pre-tax purchase price

Term (months)

Down payment (10%)

$17,000

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

$153,500

Total interest

$39,927

Total cost

$210,427

Effective / month

$3,223.79

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.