Caterpillar 320 GX Financing Calculator
crawler excavators · Est. Market Price $205,000 · More Caterpillar financing
Updated
In the crawler excavators category, the Caterpillar 320 GX is positioned as a mid-size option, built around a 148hp engine and 44,500 lb operating weight.
Compared against every other crawler excavators page on this site, the Caterpillar 320 GX's 148hp puts it roughly mid-pack by horsepower among crawler excavators models tracked here. By operating weight, it comes in at 20% of the heaviest crawler excavators model in this dataset.
The numbers below assume a 60-month $1-buyout capital lease on the $205,000 320 GX: $4,197/mo at an estimated 8.25% APR, ending in full ownership rather than a residual payoff. For financing at this level, lenders at this price tier commonly structure the deal with a larger down payment option to bring the monthly payment down further. Across the full 60-month term, total payments come to $251,792 — about $46,792 above the $205,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $4,197/month, this ranks #14 of 42 by estimated payment among currently priced crawler excavators models — 18% below the crawler excavators average of $5,141/mo.
Because 100% bonus depreciation is currently in effect (equipment placed in service after January 19, 2025) and this asset qualifies under Section 179's $2,560,000 2026 cap, the full $205,000 cost is a candidate for a first-year deduction rather than a multi-year depreciation schedule -- the actual benefit depends on the buyer's taxable income, so this isn't a substitute for a CPA's sign-off.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$4,196.53/mo
Base APR: 8.25% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Asset Specifications
| Make | Caterpillar |
| Model | 320 GX |
| Category | heavy-construction |
| Subcategory | crawler excavators |
| Horsepower | 148 hp |
| Operating Weight | 44,500 lbs |
| Estimated Market Price | $205,000 |
| Fuel Tank Capacity (gal) | 103 |
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 | $205,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $205,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $43,050 |
| Effective After-Tax Cost | $161,950 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Caterpillar 320 GX?
An estimated $4196.53/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 Caterpillar 320 GX 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 Caterpillar 320 GX?
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 $205,000 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 Caterpillar 320 GX versus paying cash?
Over the full 60-month term, estimated payments total $251,792 -- about $46,792 more than the $205,000 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 Caterpillar 320 GX?
Putting 10% down ($20,500 on this Caterpillar 320 GX) reduces the estimated payment from $4,197/mo to roughly $3,778/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 Caterpillar 320 GX?
Estimated 5-year residual value is approximately 38.5% of MSRP.
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