PLAN SMARTER:
SAVE MORE WITH FINANCING
BUILT FOR YOUR FLEET

As fleets finalize budgets for 2026, one priority stands out: refreshing and expanding vehicles while keeping Total Cost of Ownership (TCO) under control. In today’s margin-pressured industry, every decision matters — and financing strategy is one of the most overlooked levers for savings.

That’s where captive financing comes in. Unlike third-party lenders, captive financing is provided directly by the OEM’s finance arm. With International Financial, you gain more than funding — you gain a partner built into the truck ecosystem, aligned with your dealer network, service programs, and lifecycle planning.

• Predictable Costs Through Bundled Solutions International Financial lets you bundle financing with extended service contracts, preventative maintenance and connected vehicle services. This simplifies billing, reduces administrative overhead, and often unlocks preferential pricing. Most importantly, it gives you predictable monthly costs — a critical advantage when unplanned downtime can derail budgets.


• Smarter Terms Backed by Brand Expertise Because International Financial understands International trucks inside and out — from performance data to residual values — we can structure more accurate, competitive terms. That means lower monthly payments, clearer replacement cycles, and reduced risk of asset underperformance compared to non-captive lenders.


• Uptime and Flexibility Built In Integrated telematics and service programs help fleets act on real-time health insights, schedule maintenance proactively, and avoid costly breakdowns. And when unexpected repairs happen, International Financial offers flexible payment options or seasonal extensions to keep trucks on the road without straining cash flow.


• Smooth End-of-Term Transitions At the end of your financing term, International Financial provides remarketing, return, and upgrade pathways aligned with International’s product strategy. This makes refreshing your fleet faster, easier, and more cost-effective — ensuring you avoid the hidden costs of aging assets.

If you’re purchasing new vehicles for the first time, International Financial helps you build your credit history with a partner who understands the trucking industry. Our flexible payment solutions are tailored to your business needs, making it easier to grow your fleet with confidence.