2026 Volvo VNR 640

$149,950

NewClass 8Day Cab

Springfield, IL

Miles

681 mi

Year

2026

Engine

Volvo D13

Horsepower

455 HP

Fuel

Diesel

Specifications

Engine

Make: Volvo
Model: D13
HP: 455
Fuel: Diesel

Chassis

Wheelbase: 197"

Details

Dealer

CIT Trucks

Springfield, IL

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2026 Volvo VNR 640

$149,950

NewClass 8Day Cab

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Springfield, IL

Dealer

CIT Trucks

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Market Index

2026 Volvo VNR 640 D13

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Median Price

$142,900

This listing

Near market median

Active listings

Finance calculator

2026 Volvo VNR 640 · 681 mi

Est. monthly

$2,844.81

Vehicle price

Pre-tax purchase price

Term (months)

Down payment (10%)

$14,995

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

$135,455

Total interest

$35,233

Total cost

$185,683

Effective / month

$2,844.81

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.