The box truck is the entry ticket of modern logistics: Amazon Relay, last-mile contracts, furniture delivery, expediting. At $25-70K per truck it's a fraction of a sleeper's cost - and lenders like the segment, because a working box truck with a route attached is about as fundable as small-business assets get.
What box truck financing looks like
Watch the mileage cliff: many lenders tighten sharply past 150-200K miles on box trucks. A slightly newer truck often finances so much better that it's cheaper monthly than an older, 'cheaper' one.
| Truck | Price range | Typical terms |
|---|---|---|
| New 26ft box truck | $55K - $75K | 60-72 mo, 8-14% APR |
| Used (3-5 yr) box truck | $25K - $45K | 36-60 mo, 10-18% APR |
| Used high-mileage (150K+) | $12K - $25K | 24-48 mo, 14-24% APR |
| Cargo van (last-mile) | $20K - $50K | 48-72 mo, 9-16% APR |
The contract is your collateral
A signed route contract, Relay account or delivery agreement transforms your application. Lenders fund revenue, and last-mile contracts are visible, verifiable revenue. Bring the contract to the application - it can cut your rate tier and your required down payment simultaneously.
Scaling from 1 to 5 trucks
Truck #1 is the hardest approval. After 6-9 months of clean payments and route revenue, trucks #2-3 approve almost automatically - and at 5+ trucks you should negotiate a small fleet line so adding a truck takes days, not applications.
60-Second Funding Check
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What do you need funding for?
Last-mile is a Dealerun lane
Our commercial vehicle partners fund box trucks and cargo vans daily - including first-time operators with contracts in hand. Up to 100% financing on strong files, decisions in hours.
Finance your box truck
Contract in hand? Even better. See your terms in two minutes.
FAQ
Can I finance a box truck for Amazon Relay with no business history?+
Yes - a Relay account or route contract plus decent personal credit gets first-timers approved regularly. Expect 10-20% down on your first truck; it drops fast after you've proven one.
Should I buy new or used for a delivery route?+
Routes are mileage machines - 3,000+ miles/month. A 2-4 year old truck at 60% of new price usually wins on cost-per-mile, as long as it passes inspection and finances cleanly. Save 'new' for when downtime costs you contract penalties.
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