Caterpillar 320 GX Financing
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.
Structured as an operating (FMV) lease over 60 months, the estimate below assumes you return or refinance the residual at term end rather than owning the machine outright — that's why the payment runs lower than a $1-buyout structure on the same asset. At an estimated $205,000 purchase price, a purchase this large typically requires a more detailed financial package — recent tax returns, equipment quotes, and sometimes a personal guarantee.
Estimated Monthly Payment
Estimated Commercial APR including doc/origination fees. Adjust the slider to personalize the rate for your credit tier.
$2,524.04/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 | $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 |
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 |
Frequently Asked Questions
What is the estimated monthly payment for a financed Caterpillar 320 GX?
An estimated $2524.04/month over 60 months at a base APR of 8.25%, including a $750.00 doc/origination fee.
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.
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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