# Large Wheel Loaders Financing through Caterpillar

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Last modified: 2026-05-29T19:39:17+00:00
Type: efin_brand_equipment

## Summary

Large Wheel Loaders financing through Caterpillar.

## Content

Caterpillar Large Wheel Loaders financing covers loans, leases, and EFAs for new and used Caterpillar large wheel loaders. We finance through independent lenders alongside Caterpillar's captive financing programs, with rate ranges driven by credit tier and asset price.Buying Caterpillar Large Wheel LoadersCaterpillar is one of the recognized OEM brands in large wheel loaders. Typical asset price for new Caterpillar large wheel loaders is around $850,000; used units are typically 30-60% of new cost depending on age and condition. Both new and used qualify for equipment financing.Financing options for Caterpillar Large Wheel LoadersIndependent equipment loan through our partner-lender network. New or used. Standard tier-based rates. You own the equipment.$1 buyout lease. Lease structure that economically transfers ownership at term-end for $1. Same tax treatment as a loan.FMV lease. Lower monthly payment, fair-market-value buyout at term-end. Often best for fast-depreciating or technology-refresh categories.Caterpillar captive financing. Promotional rates sometimes available on new equipment. Check at the dealer.How to decideGet a captive quote from the Caterpillar dealer. Note APR (not factor rate), term, fees, and any conditions.Ask for the cash price separately. Sometimes the promotional financing price is higher than the cash price.Get an independent-lender quote at /apply/.Compare total cost of ownership across both paths.What lenders look at for Caterpillar large wheel loadersEquipment age (new vs used; age at maturity matters for used)Hour meter or mileage (for vehicles and powered equipment)Maintenance records (for used units)Caterpillar model and configuration (some configurations have stronger resale)Standard borrower factors: FICO, time in business, revenue, equipment-use case