Elgin Crosswind NX Financing Calculator
street sweepers · Est. Market Price $285,000 · More Elgin financing
Updated
In the street sweepers category, the Elgin Crosswind NX is positioned as a mid-size option, built around a 124hp engine and 27,000 lb operating weight.
At 124hp, the Elgin Crosswind NX sits at the lighter-duty end of the horsepower range for street sweepers models tracked here (25% of the category's top horsepower figure). By operating weight, it comes in at 12% of the heaviest street sweepers model in this dataset.
At an estimated 8.25% APR on a $285,000 purchase price, the 60-month $1-buyout structure modeled here puts the Crosswind NX at $5,828/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 $349,694 — about $64,694 above the $285,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $5,828/month, this ranks #7 of 7 by estimated payment among currently priced street sweepers models — 59% above the street sweepers average of $3,657/mo.
On the tax side, this $285,000 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 $285,000 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.
$5,828.23/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 | $285,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $285,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $59,850 |
| Effective After-Tax Cost | $225,150 |
Asset Specifications
| Make | Elgin |
| Model | Crosswind NX |
| Category | heavy-construction |
| Subcategory | street sweepers |
| Horsepower | 124 hp |
| Operating Weight | 27,000 lbs |
| Estimated Market Price | $285,000 |
| Sweeping Path Width (ft) | 12 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Elgin Crosswind NX?
An estimated $5828.23/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 Elgin Crosswind NX 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 Elgin Crosswind NX?
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 $285,000 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 Elgin Crosswind NX versus paying cash?
Over the full 60-month term, estimated payments total $349,694 -- about $64,694 more than the $285,000 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 Elgin Crosswind NX?
Putting 10% down ($28,500 on this Elgin Crosswind NX) reduces the estimated payment from $5,828/mo to roughly $5,247/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 Elgin Crosswind NX?
Estimated 5-year residual value is approximately 38.5% of MSRP.
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