The same budget, other terms
A longer term stretches the same monthly payment over a higher price, and costs more interest in all.
- Price you can aim for
- Your term
| Term | Price you can aim for | Note |
|---|
The table fills in with your figures.
Method
From budget to price
The payment formula, worked backwards from what you can spend.
Your budget
The monthly payment you can carry.
Most you can finance
The loan that budget repays over the term at the rate.
Plus your down payment
Add the down payment for the price you can aim for, before GST/PST.
What’s on the yard
Units with a published price at or under it, counted live from the listings.
Leave room
More than the payment
Running costs
Fuel, insurance and upkeep come on top: work them out in cost per mile.
Taxes and fees
GST/PST, lender fees and insurance are not in the estimate.
Term
A longer term reaches a higher price for the same payment, with more interest overall.
FAQ
Questions about your budget
Is this a pre-approval?
No. It is an estimate only, not an offer of credit or a pre-approval. Financing is subject to credit approval (OAC) through our sister company Blue Capital Equipment Finance Ltd., an affiliated broker.
Why aren’t some units counted?
Units marked “Call for price” have no published price, so they can’t be counted. Ask us about them.
What if nothing is in stock at my price?
Tell us what you need on the listings page and we’ll source it.
Where does the starting rate come from?
It is our estimate rate, 9.5% a year as of 2 Oct 2026: a starting point, not a quote. Your actual rate depends on your business and credit profile, so change the rate field to try yours.