Caterpillar 289D3 Financing
compact track loaders · Est. Market Price $95,000 · More Caterpillar financing
Updated
The Caterpillar 289D3 is a compact track loaders model built around a 10,690 lb operating weight; a full horsepower spec wasn't publicly available at the time this page was generated.
Structured as a $1-buyout capital lease over 60 months, you own the 289D3 outright at the end of the term — the payment below amortizes the full purchase price plus the doc/origination fee. At an estimated $95,000 purchase price, at this price point, most commercial lenders will want to see at least 1-2 years of time in business before offering their best rates.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$1,952.94/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 | $95,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $95,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $19,950 |
| Effective After-Tax Cost | $75,050 |
Asset Specifications
| Make | Caterpillar |
| Model | 289D3 |
| Category | heavy-construction |
| Subcategory | compact track loaders |
| Operating Weight | 10,690 lbs |
| Estimated Market Price | $95,000 |
| Static Tipping Load (lbs) | 8255 |
Frequently Asked Questions
What is the estimated monthly payment for a financed Caterpillar 289D3?
An estimated $1952.94/month over 60 months at a base APR of 8.25%, including a $750.00 doc/origination fee.
Is the Caterpillar 289D3 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.
What is the typical resale or auction value for a Caterpillar 289D3?
Estimated 5-year residual value is approximately 38.5% of MSRP.
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