Kenworth T880 Financing Calculator
dump trucks · Est. Market Price $275,000 · More Kenworth financing
Updated
In the dump trucks category, the Kenworth T880 is positioned as a high-output option, built around a 500hp engine and 24,000 lb operating weight.
At 500hp, the Kenworth T880 sits in the upper half of the horsepower range for dump trucks models tracked here (68% of the category's top horsepower figure). By operating weight, it comes in at 30% of the heaviest dump trucks model in this dataset.
Priced at $275,000, the T880 is modeled here as a 60-month $1-buyout capital lease at an estimated 8% APR — $5,591/mo, building to full ownership at term end. For financing at this level, a purchase this large typically requires a more detailed financial package — recent tax returns, equipment quotes, and sometimes a personal guarantee. Across the full 60-month term, total payments come to $335,473 — about $60,473 above the $275,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $5,591/month, this ranks #12 of 12 by estimated payment among currently priced dump trucks models — 39% above the dump trucks average of $4,014/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 $275,000 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.
$5,591.22/mo
Base APR: 8% · 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 | $275,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $275,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $57,750 |
| Effective After-Tax Cost | $217,250 |
Asset Specifications
| Make | Kenworth |
| Model | T880 |
| Category | trucking-fleet |
| Subcategory | dump trucks |
| Horsepower | 500 hp |
| Operating Weight | 24,000 lbs |
| Estimated Market Price | $275,000 |
| Peak Torque Lb (ft) | 1850 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Kenworth T880?
An estimated $5591.22/month over 60 months at a base APR of 8%, 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% base APR: Subprime 12.50%, Fair 10.50%, Good 8.00%, Very Good 7.25%, Prime 6.50%. "Good" is the default tier shown; drag the slider to see the exact payment at your tier.
Is the Kenworth T880 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 Kenworth T880?
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 $275,000 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 Kenworth T880 versus paying cash?
Over the full 60-month term, estimated payments total $335,473 -- about $60,473 more than the $275,000 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 Kenworth T880?
Putting 10% down ($27,500 on this Kenworth T880) reduces the estimated payment from $5,591/mo to roughly $5,034/mo at the same 8% 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 Kenworth T880?
Estimated 5-year residual value is approximately 38.5% of MSRP.
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