International® Financial
International Financial solutions is ready to help you take your business to the next level. Their expertise runs deep. In fact, International Harvester pioneered the captive finance model in 1949 and they have been a proud partner of businesses of all sizes ever since. At International Financial, the focus is on developing a deep understanding of customer needs and requirements so that industry-leading, customer-focused solutions can be provided.
The Choice is Yours
Fleet vehicle financing products have unique advantages and understanding those advantages can ensure your business selects the best financial solutions.
The below comparison chart highlights the features and differences of our vehicle financing solutions.
Loan vs Lease Comparison
| Loan | Finance Lease | TRAC Lease3 | Split TRAC Lease | FMV Lease | |
|---|---|---|---|---|---|
| Flexible payment solutions | |||||
| No mileage restrictions | |||||
| Own equipment at end of term | Optional | Optional | |||
| Finance lease for accounting purposes2 | |||||
| Minimal initial cash outlay | |||||
| No purchase obligation at lease termination | |||||
| Operating lease for accounting purposes2 |
1 Program eligibility, actual payments, terms and down payment are determined by Navistar Financial Corporation credit team based upon creditworthiness of customer.
2 Navistar Financial Corporation does not provide or endorse any tax or accounting advice or tax strategy to its dealers, customers or potential customers. You should consult with your own tax and accounting advisor on all such matters relating to the loan or lease financings described in this brochure.
3 TRAC leases are limited to motor vehicles leased to businesses and must be used for commercial purposes at least 50% of the time.
4 Lease products are only available on new vehicles.