Wheel Loader Financing
New and used wheel loaders, compact to full-size, for established businesses, from a dealer, an auction or a private seller.
About 2 minutesNo personal-credit inquiryInstant answer
Crest Capital finances new and used wheel loaders for established businesses, from compact loaders to the full-size machines that load trucks in quarries, yards and plants, with one simple application covering $10,000 to $500,000. Finance a wheel loader from the dealer, auction or private seller of your choice, add the buckets and attachments on the same application, and pay one fixed monthly payment for the term. No financial statements or tax returns are needed up to $250,000, and most applications receive a same-day credit decision.
Crest Capital has provided equipment financing since 1989. Loan and finance lease options are available for business use, and the financed loader serves as the collateral, with no blanket lien on your other business assets on most transactions.
The Benefits of Crest Capital’s New and Used Wheel Loader Financing
One Online ApplicationComplete one simple online application. No financial statements are needed for financing up to $250,000.
Fixed RatesYour rate is fixed for the term, so your monthly payment is predictable. On most transactions, there is no blanket lien on your other business assets.
Approval TimingCheck your eligibility online to get started. Approval and funding timing depend on the application and the transaction.
Compact and Full-Size Wheel Loaders
Compact wheel loaders work on tight sites, in landscaping and in snow removal, while full-size loaders load trucks and move material in quarries, yards and plants. Crest Capital finances the range, from compact and mid-size loaders to the larger production machines, new and used.
Buckets and Attachments
A quick coupler lets one loader run general purpose, rock and high-dump buckets, pallet forks, grapples and snow plows. Buckets and attachments can be financed with the loader on one application.
Wheel Loaders and Track Loaders
Wheel loaders travel faster and are easier on pavement, while track loaders handle soft ground and steeper slopes. Compact track loaders are covered on the skid steer financing page.
Who Uses Wheel Loaders
Aggregate and sand producers, ready-mix and asphalt plants, landscaping and mulch yards, scrap and recycling yards, farms, snow removal contractors, municipalities and site-work contractors. A loader is the machine that keeps trucks moving, so a reliable one pays for itself in loads per day.
New and Used Wheel Loaders
Before buying a used wheel loader, check:
- The hour meter and service records
- The articulation joint and pins
- The tires, which are a large share of the operating cost
- The transmission and hydraulics
- The bucket and cutting edge for wear
- Clear title, when the seller is a private party
Dealer, Auction and Private-Party Wheel Loader Purchases
Crest Capital finances wheel loaders from the seller of your choice. A dealer purchase, new or used, is the simplest: the dealer’s quote lists the loader, its serial number, the attachments and the price. Auction purchases qualify too; have the auction’s invoice or bill of sale, and check your eligibility before you bid, since auction payment deadlines are short. A private-party purchase from another business or an individual needs a bill of sale, the serial number and proof that the seller holds clear title. There is no hard cap on equipment age; condition and collateral value are weighed. More on used equipment financing and private-party purchases.
Attachments and More Than One Machine on One Application
Buckets, forks, grapples, plows and a quick coupler can be financed with the loader on the same application, from the same seller or a different one. One application can also cover more than one machine, such as a wheel loader and the dump truck it feeds, or a loader and an excavator, when the total is $10,000 to $500,000.
Who Qualifies for Wheel Loader Financing
Crest Capital finances wheel loaders for established businesses: 2 or more years under current ownership, a record of paying creditors and comparable borrowing on time, and, in closely held companies, a personal credit score of 650 or better for owners of 20% or more. Crest Capital does not finance pure startups, and the loader must be for business use.
One simple application covers $10,000 to $500,000, no financial statements or tax returns are needed up to $250,000, and most applications receive a same-day credit decision. The full application uses a soft credit pull, which never places an inquiry on your credit report. Never a hard pull. Owners of 20% or more typically sign a personal guarantee, and some companies qualify on the business’s credit alone. The requirements, parameter by parameter, are on the credit requirements page, and the six steps from application to funding are on the finance process page.
How Wheel Loader Financing Works
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Check Your Eligibility
About 2 minutes online, with no personal-credit inquiry, and an instant answer.
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Apply Online
One simple application covers $10,000 to $500,000. The full application uses a soft credit pull, which never places an inquiry on your credit report. Never a hard pull.
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Receive a Credit Decision
Most applications receive a same-day credit decision. Above $250,000, an answer typically comes within a business day once the financial package is in place.
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Sign and Take Delivery
Send the seller’s invoice, review and sign the finance agreement, and Crest Capital pays the dealer, auction or private seller. You make one fixed monthly payment for the term. The full six steps are on the finance process page.
Wheel Loader Financing Questions and Answers
What credit score do you need to finance a wheel loader?
In closely held companies, a personal credit score of 650 or better for owners of 20% or more is the benchmark. It is read alongside time in business, payment history, comparable borrowing and the wheel loader itself, and some companies qualify on the business’s credit alone. Checking your eligibility involves no personal-credit inquiry.
Do you finance used wheel loaders and private-party purchases?
Yes. New and used wheel loaders qualify, from a dealer, an auction or a private seller, and there is no hard cap on equipment age; condition and collateral value are weighed.
Is a down payment required?
Most qualified applicants receive 100% financing with no down payment. Soft costs such as shipping can be included, up to 25% of the loan amount.
What are wheel loader financing rates?
Rates are fixed for the full term and quoted per transaction. They depend on your business credit profile, the wheel loader and the term, so there is no single number to publish. Check your eligibility online to get started.
How many years can you finance a wheel loader?
Terms run from 24 to 84 months: up to 60 months on the application-only track and up to 84 months with a full financial package, with the longest terms reserved for larger transactions with excellent credit.
Can I finance buckets and attachments with the loader?
Yes. Buckets, forks, grapples, plows and a quick coupler can go on the same application as the loader, and one application can cover several pieces of equipment when the total is $10,000 to $500,000.
Wheel loader lease or loan: which is better?
Both are available under the same simple application. A Crest Capital lease is a finance lease: a fixed monthly payment for a set term with a purchase option at the end, not a rental. The payment calculator shows the payment either way.
Can I check whether I qualify before I apply?
Yes. Check Your Eligibility Instantly takes about 2 minutes, uses no personal-credit inquiry, and gives you an instant answer.
Wheel Loader Financing for Your Business.
Check Your Eligibility Instantly.
About 2 minutesNo personal-credit inquiryInstant answer