Products & Services

Our products were developed with your needs and your business in mind. From retail to lease, balloons to skip payments, we have financing options that can be built to meet your business needs.

Retail Finance Contract

This is our most popular financing choice. If you want equipment ownership, the ability to build equity and an avenue for depreciation, then you should consider a retail finance contract. Also known as debt financing, a Retail Finance contract allows you to include the funding for related equipment and many of the other costs for placing equipment in service.

When you work with Navistar Capital, a GE Capital program, you can enjoy simple processing and documentation and straightforward, simple-interest loans.

Our interest lies in the success of your truck ownership experience as a crucial part of your business, so we’ll be responsive and flexible.

You can choose from a long list of repayment options, including:

The benefits of a Retail Finance Contract are simple to appreciate:

Fair Market Value (FMV) Lease

If you want to enjoy new equipment without worrying about trade-in values--and if you want maximum cash flow--you should consider an FMV (Fair Market Value) Lease.

The FMV Lease is available on new International® trucks and tractors and is recommended when ownership and depreciation benefits are not desired. You aren’t responsible for your equipment’s residual value at the end of the lease term and you will have several choices offering maximum flexibility.

Here’s how FMV leasing can work for you. Negotiate your best deal on the sales price of the vehicle and then agree on the term of the contract.

At expiration you will have three options:

  • You may purchase the vehicle at the present Fair Market Value
  • You can renew the contract for a stated length of time at the present Fair Market Value Rental
  • You can return the vehicle within stated terms and conditions and have no further obligation
The benefits of an FMV lease are simple to appreciate
  • Lower or zero down payments--only one rental payment is typically required in advance--so only minimal initial investment may be required
  • Fixed monthly payments are lower than traditional financing
  • There are potential tax advantages, since the full monthly rental payment may be tax deductible
  • Receive "options vs. obligations" at lease expiration

TRAC Lease

If you’re looking for low monthly payments to generate the most positive cash flow out of the revenue your trucks bring in, or you’re simply looking for a low payment to ease your expenses, you should consider a TRAC (Terminal Rental Adjustment Clause) Lease.

At the beginning of a TRAC Lease, you and Navistar Capital agree upon an amount referred to as the TRAC amount, an estimate of the equipment’s value at lease end. Having an agreed upon residual amount upfront takes the guesswork out of the market value at lease expiration.

Why Navistar Capital? Here’s an example:

Let’s say you lease an $80,000 truck for three years. At the end of those three years it is estimated the vehicle will be worth $30,000. (You will have used $50,000 worth of the truck’s value.)

That means your payments would be based on $50,000 instead of $80,000, making them significantly lower.

The benefits of a TRAC Lease are simple to appreciate

Bus Financing

When it comes to bus financing, we get an A+ for simplicity.

A Retail Finance Contract is a loan that offers you equipment ownership, the ability to build equity, and an avenue for depreciation.

When you work with Navistar Capital, a GE Capital program, you can enjoy effortless processing and straightforward documentation. Financing with us means you can keep your working capital lines open for all of your other needs.

We want your financing experience to be a successful one. So we provide a responsive and flexible environment for your needs.

You can choose from a long list of repayment options, including:

  • Skip payments to meet seasonal cash flow needs
  • Balloon financing alternative to preserve monthly cash flow
  • Delayed first payment option
  • Equal monthly payments
  • Accelerated payments

The benefits of a retail finance contract are simple to appreciate

  • We offer competitive rates with a flexible repayment schedule to fit your needs
  • You have the ability to finance up to 100% of the sale price
  • Pre-approved lines of credit
  • Accelerated payments to build your equity faster
  • Finance new and used buses
  • Up to 72-month financing available

FMV Rebate Lease

Navistar Capital understands that at the beginning of a lease, it’s difficult to know exactly how many miles you will accumulate before your lease ends, which is why the Rebate Lease was created. The Rebate Lease was designed with you in mind, to help you lower your truck’s lifetime operating cost by more closely matching mileage expense to your actual usage.

Whether you over or under estimate, our Rebate Lease offers a solution that helps you lower costs:

  1. Over use the equipment and pay overage charges that are lower than today’s industry averages
  2. Under use the equipment and receive a direct cash rebate
The benefits of a FMV Rebate Lease are simple to appreciate
  • More easily match your revenue to the number of miles driven
  • Lower overall operating cost
  • Flexibility to adjust your equipment usage to meet your business needs
  • Options at expiration

Example: Sleeper Cab Rebate


Equipment cost $115,000
Miles allowed 600,000
Miles used 500,000
Miles of under-usage 100,000
Per mile rebate rates*
GE Rebate Lease 4.0¢
Industry average: none
Rebate paid to customer:
Industry average none
Rebate Lease $4,000

Example: Sleeper Cab Over Usage


Truck cost $115,000
Miles allowed 600,000
Miles used 700,000
Miles of over usage 100,000
Per mile over use charge*
Industry average: 7.0¢
GE Rebate Lease 4.0¢
Over use charge:
Industry average: $7,000
Rebate Lease $4,000
Savings w/ Navistar Capital $3,000


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