Caterpillar AP655F Financing Calculator
asphalt pavers · Est. Market Price $440,000 · More Caterpillar financing
Updated
Buyers comparing asphalt pavers options will find the Caterpillar AP655F spec'd as a heavy-duty machine, running a 173hp engine and 34,356 lb operating weight.
At 173hp, the Caterpillar AP655F sits roughly mid-pack by horsepower among asphalt pavers models tracked here (35% of the category's top horsepower figure). By operating weight, it comes in at 16% of the heaviest asphalt pavers model in this dataset.
At an estimated 8.37% APR on a $440,000 purchase price, the 60-month $1-buyout structure modeled here puts the AP655F at $9,015/mo, with ownership transferring at term end. For financing at this level, financing at this scale usually involves a dedicated equipment-finance underwriter rather than an automated approval path. Across the full 60-month term, total payments come to $540,904 — about $100,904 above the $440,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $9,015/month, this ties for #13 of 14 by estimated payment (tied with 1 other currently priced asphalt pavers model at this exact price point) — 42% above the asphalt pavers average of $6,334/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 $440,000 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.
$9,015.07/mo
Base APR: 8.37% · 60 months
| Month | Payment | Principal | Interest | Balance |
|---|
Asset Specifications
| Make | Caterpillar |
| Model | AP655F |
| Category | heavy-construction |
| Subcategory | asphalt pavers |
| Horsepower | 173 hp |
| Operating Weight | 34,356 lbs |
| Estimated Market Price | $440,000 |
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 | $440,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $440,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $92,400 |
| Effective After-Tax Cost | $347,600 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Caterpillar AP655F?
An estimated $9015.07/month over 60 months at a base APR of 8.37%, 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 8.37% base APR: Subprime 12.87%, Fair 10.87%, Good 8.37%, Very Good 7.62%, Prime 6.87%. "Good" is the default tier shown; drag the slider to see the exact payment at your tier.
Is the Caterpillar AP655F 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 AP655F?
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 $440,000 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 AP655F versus paying cash?
Over the full 60-month term, estimated payments total $540,904 -- about $100,904 more than the $440,000 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 AP655F?
Putting 10% down ($44,000 on this Caterpillar AP655F) reduces the estimated payment from $9,015/mo to roughly $8,115/mo at the same 8.37% 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 AP655F?
Resale value data is not yet available for this specific model.
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