Bobcat S595 Financing Calculator
skid steer loaders · Est. Market Price $54,000 · More Bobcat financing
Updated
The Bobcat S595 pairs a 74hp engine and 6,793 lb operating weight, placing it in the compact-class tier of the skid steer loaders market.
At 74hp, the Bobcat S595 sits at the lighter-duty end of the horsepower range for skid steer loaders models tracked here (15% of the category's top horsepower figure). By operating weight, it comes in at 3% of the heaviest skid steer loaders model in this dataset.
Priced at $54,000, the S595 is modeled here as a 60-month $1-buyout capital lease at an estimated 8.25% APR — $1,117/mo, building to full ownership at term end. For financing at this level, a purchase price at this level is often financeable with minimal or no down payment for established businesses. Across the full 60-month term, total payments come to $67,001 — about $13,001 above the $54,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $1,117/month, this ranks #4 of 15 by estimated payment among currently priced skid steer loaders models — 7% below the skid steer loaders average of $1,202/mo.
On the tax side, this $54,000 purchase is Section 179-eligible under the 2026 cap of $2,560,000, and 100% bonus depreciation -- back in effect for equipment placed in service after January 19, 2025 -- means a qualifying buyer could potentially deduct the entire $54,000 in the year it's placed in service rather than depreciating it over several years, subject to the buyer's own taxable income and CPA sign-off.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$1,116.69/mo
Base APR: 8.25% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Section 179 Tax Deduction Matrix
Estimates for illustrative purposes only. Consult a certified CPA to determine actual Section 179 depreciation. Source: IRS Publication 946 .
| Estimated Equipment Price | $54,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $54,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $11,340 |
| Effective After-Tax Cost | $42,660 |
Asset Specifications
| Make | Bobcat |
| Model | S595 |
| Category | heavy-construction |
| Subcategory | skid steer loaders |
| Horsepower | 74 hp |
| Operating Weight | 6,793 lbs |
| Lift Capacity | 2,200 lbs |
| Estimated Market Price | $54,000 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Bobcat S595?
An estimated $1116.69/month over 60 months at a base APR of 8.25%, including a $750.00 doc/origination fee.
Does the estimated payment change based on credit score?
Yes. The calculator above has 5 credit tiers, each adjusting this machine's 8.25% base APR: Subprime 12.75%, Fair 10.75%, Good 8.25%, Very Good 7.50%, Prime 6.75%. "Good" is the default tier shown; drag the slider to see the exact payment at your tier.
Is the Bobcat S595 eligible for a Section 179 tax deduction?
Yes. Under the 2026 Section 179 cap of $2,560,000, qualifying businesses may be able to deduct the full purchase price in the year it's placed in service, subject to CPA verification.
Does 100% bonus depreciation apply to a financed Bobcat S595?
Bonus depreciation was restored to 100% for equipment placed in service after January 19, 2025, and it applies more broadly than Section 179 -- it isn't capped by the $2,560,000 Section 179 limit and generally isn't affected by a business's Section 179-eligible income limit. Financing rather than paying cash doesn't disqualify a purchase from this: the full $54,000 placed-in-service cost is typically what counts, not the amount actually paid that year. Confirm applicability with a CPA before filing.
What's the total cost of financing this Bobcat S595 versus paying cash?
Over the full 60-month term, estimated payments total $67,001 -- about $13,001 more than the $54,000 cash price. That difference is the estimated cost of financing (interest plus the $750.00 doc fee) rather than paying up front.
How much would a down payment lower the monthly payment on this Bobcat S595?
Putting 10% down ($5,400 on this Bobcat S595) reduces the estimated payment from $1,117/mo to roughly $1,007/mo at the same 8.25% estimated APR -- a real reduction, since a down payment lowers the amount actually financed rather than just the sticker price.
What is the typical resale or auction value for a Bobcat S595?
Resale value data is not yet available for this specific model.
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