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Loans vs. Leases

A Volvo employee looking at a lineup of Volvo construction equipment.

Volvo Financial Services

HEAVY EQUIPMENT FINANCING OPTIONS

Choose the right path for your cash flow and business goals.

The best way to add a machine depends entirely on how you want to manage your cash flow. A construction equipment loan lets you build full ownership over time without spending your cash reserves all at once. Heavy equipment leasing offers lower monthly payments, letting the machine earn revenue while keeping your budget flexible.

Explore both options below to see what fits your strategy.

A Volvo EC750 crawler excavator moving rock in a quarry.

Construction equipment loans build your long-term equity.

We understand that project volumes change throughout the year. We work directly with you to structure a repayment schedule that aligns with your active working seasons and budget.

Full ownership: Take full title and ownership of the machine once your term is complete.
Customized schedules: Align your monthly payments with your actual seasonal revenue.
Asset growth: Build long-term equity by adding a tangible asset to your balance sheet.

A Volvo R70 rigid haul truck hauling material on a haul road.

Heavy equipment leasing maximizes budget flexibility.

Keep your monthly operating costs low while preserving your capital. When your lease term finishes, you have total flexibility to buy the machine, return it or seamlessly upgrade to a brand-new model.

Lower monthly payments: Reduce your fixed overhead costs compared to traditional financing paths.
Zero resale risk: Walk away at the end of your term without worrying about market depreciation or disposal hassles.
Capital preservation: Keep your cash reserves free and your borrowing capacity open for unexpected project demands.

A Volvo L25 Electric wheel loader working alongside a Volvo ECR25 Electric excavator behind a brick building.

Try our all-inclusive lease for electric heavy equipment.

Adopting electric technology shouldn’t introduce complexity to your jobsite. Our all-inclusive electric machine lease simplifies your transition by bundling the asset, its ongoing maintenance and your charging setup into a single, predictable monthly payment.

Complete bundled savings: Lower your total cost of entry with a single package that covers the machine, full maintenance and extended coverage.
Integrated charging infrastructure: Eliminate operational friction by including a DC wall-mounted fast charger right inside your lease terms.
Risk-free trial flexibility: Move forward confidently with early termination options at 24 months, giving you the freedom to test electric capabilities on your jobsites risk-free.

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Please note: Finance solutions are provided by Volvo Financial Services. Volvo Financial Services does not provide tax or accounting advice. Customers should consult their tax attorney or accountant about individual circumstances.