How do I use the truck repair financing calculator?

Enter five inputs: the shop's repair quote, the truck's age, your monthly business revenue range, your FICO band, and whether the truck is paid off. The calculator returns the Dispatched product category that fits (working-capital repair loan, equipment-secured refinance, or pay-cash recommendation) and the typical panel APR range for borrowers with your profile.

When does the calculator recommend financing versus paying cash?

The calculator recommends financing when the repair cost exceeds roughly one month of net operating income or when paying cash would drain reserves below a 30-day operating buffer. It recommends paying cash when the repair is a fraction of monthly net and reserves are healthy — the financing fee on a small repair often costs more than the cashflow benefit.

What APR should I expect on a truck repair loan?

The observed panel range is 14% to 34% APR for working-capital-style repair loans, and 9% to 18% APR when the repair is rolled into an equipment-secured product on a tractor with sufficient remaining value. The calculator shows which range applies to your profile based on the inputs.

Does the calculator pull my credit?

No. The calculator asks for a credit band (a range like "580 to 619"), not a specific score, and does not touch your credit file. Nothing about the calculator is reported to the credit bureaus.

When does the calculator tell me to replace the truck instead of repairing?

When the repair cost exceeds roughly 50% of the truck's current market value and the truck is older than 8 years, the calculator flags replacement as the math-favored path. The flag is directional — the operator's specific situation (lane fit, downtime cost, prior repair history on the same systems) often justifies repair even when the math marginally favors replacement.

Calculators

Truck repair financing fit estimator.

Five inputs, no credit pull, no personal info. We’ll tell you which Dispatched product category fits your repair amount and operator profile, and the typical APR band for borrowers with your credit. Not a rate quote — the chosen lender sets the final APR on the term sheet.

What this calculator actually decides

The estimator looks at three signals. The repair amount versus monthly revenue tells us whether the repair is a small expense for the operation or a major shock. Time in business tells us whether longer-term equipment-secured financing is realistic. Credit band sets the APR ceiling and floor based on observed panel pricing.

Truck repair financing— direct-to-shop loan for the repair amount. Always shown; it’s the topical product. Term and APR set by the chosen lender.
Working capital— only shown when the repair is under ~80% of one month’s revenue and the operator has at least six months of history. Use case: cover the repair plus operating expenses, repay from receivables.
Equipment financing — only shown for operators with at least one year in business and a repair amount of $15,000 or more. Use case: secured by the repaired truck, longer payback, lower monthly payment than a short-term repair loan.

The APR bands are the same observed panel ranges shown in the FAQ and at /methodology. They are not guarantees. The exact APR a borrower sees is set by the chosen lender on the term sheet and depends on the full application.

Truck repair financing fit estimator.

What this calculator actually decides

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