TRAC Lease | PACCAR Financial Used Truck Center

TRAC Lease — Lower Payments. Flexible End Options. Built for High-Mileage Operations.

A TRAC (Terminal Rent Adjustment Clause) Lease is a lease-purchase option from PACCAR Financial that offers lower monthly payments than a traditional loan, with a pre-set residual value at the end of the term.

Designed for operators who want flexibility, predictable costs, and ownership options.

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Key Benefits

Lower Fixed Monthly Payments
Residual Value Set Upfront
Unlimited Mileage — No Over-Mileage Penalties
Flexible End-Of-Term Options
*Potential Tax Advantages

(* Consult your tax advisor.)

Your Options At Lease End

You stay in control when the lease term ends:

Purchase
Pay the agreed residual value and own the truck free and clear.
Sell
Sell the truck, pay off the residual, and keep any equity.
Return
Return the truck to PACCAR Financial; equity or shortfall is settled based on market value.