Terex RT 555 Financing Calculator
mobile cranes · Est. Market Price $135,000 · More Terex financing
Updated Cross-checked against 1 government/public rate source
In the mobile cranes category, the Terex RT 555 is positioned as a heavy-duty option, built around a 185hp engine.
At 185hp, the Terex RT 555 sits roughly mid-pack by horsepower among mobile cranes models tracked here (37% of the category's top horsepower figure).
Priced at $135,000, the RT 555 is modeled here as a 60-month $1-buyout capital lease at an estimated 8.25% APR — $2,769/mo, building to full ownership at term end. For financing at this level, at this price point, most commercial lenders will want to see at least 1-2 years of time in business before offering their best rates. Across the full 60-month term, total payments come to $166,127 — about $31,127 above the $135,000 cash price, which is the real cost of financing instead of paying up front.
At an estimated $2,769/month, this ties for #2 of 9 by estimated payment (tied with 1 other currently priced mobile cranes model at this exact price point) — 82% below the mobile cranes average of $15,351/mo.
On the tax side, this $135,000 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 $135,000 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.
$2,768.79/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 | $135,000 |
| 2026 Section 179 Cap | $2,560,000 |
| Eligible Deduction | $135,000 |
| Federal Corporate Tax Rate | 21% |
| Estimated Tax Savings | $28,350 |
| Effective After-Tax Cost | $106,650 |
Asset Specifications
| Make | Terex |
| Model | RT 555 |
| Category | heavy-construction |
| Subcategory | mobile cranes |
| Horsepower | 185 hp |
| Lift Capacity | 110,000 lbs |
| Estimated Market Price | $135,000 |
Real-World Market Reference
An independent data point from a public government source — not our own estimate.
| DOT Rental Rate | $138.59/hrCalifornia DOT equipment rental rate schedule, effective 01-APR-2026 |
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Frequently Asked Questions
What is the estimated monthly payment for a financed Terex RT 555?
An estimated $2768.79/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 Terex RT 555 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 Terex RT 555?
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 $135,000 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 Terex RT 555 versus paying cash?
Over the full 60-month term, estimated payments total $166,127 -- about $31,127 more than the $135,000 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 Terex RT 555?
Putting 10% down ($13,500 on this Terex RT 555) reduces the estimated payment from $2,769/mo to roughly $2,493/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 Terex RT 555?
Resale value data is not yet available for this specific model.
What does a Terex RT 555 rent for?
California DOT equipment rental rate schedule, effective 01-APR-2026 lists a current rental rate of $138.59/hour for this machine — a real published rate, not our own estimate.
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