# Class 4 Box Trucks

Canonical URL: https://fundmyequipment.com/equipment/trucking/class-4-box-trucks/
Last modified: 2026-05-29T19:39:17+00:00
Type: efin_equipment

## Summary

Class 4 Box Trucks financing for the Trucking industry.

## Fast facts

- Typical term: 36 - 60 months
- Soft-pull pre-qualification, no credit impact

## Content

Class 4 Box Trucks financing covers loans, leases, and equipment finance agreements (EFAs) for businesses purchasing class 4 box trucks in the trucking category. Average asset price is about $45,000, with terms from 36 to 60 months and a typical replacement cycle of 6 years.Qualifying requirements for Class 4 Box Trucks financing typically include a minimum FICO of 580+. Below we cover rates by credit tier, qualifying documentation, used-vs-new dynamics, Section 179 implications, and how to compare lenders on this category.This hub covers:Current rate ranges by credit tier, refreshed monthlyQualifying requirements (FICO, time in business, monthly revenue, down payment)Used vs new class 4 box trucks financing differencesAn interactive calculator with three structures: loan, $1 buyout lease, FMV leaseBad-credit programs (sub-650 FICO)Section 179 implications for current-year tax planningHow to compare lenders for this category