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VIN 1XPXD49X5LD648004 · Stock #jacksongroup-scrape-LD648004

2020 Peterbilt 389

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UsedClass 8

2020 Peterbilt 389

$105,900

UsedClass 8

Missoula, MT

Miles

172,410 mi

Year

2020

Engine

Cummins X15

Horsepower

525 HP

Transmission

Manual

Axle Config

6x4

Specifications

Engine

Make: Cummins
Model: X15
HP: 525
Displacement: 15L
Fuel: Diesel

Drivetrain

Transmission: Manual
Axle Config: 6x4
Rear Ratio: 3.7

Chassis

Wheelbase: 225"
GVWR: 33,001 lbs
Front Axle: 13,200 lbs
Rear Axle: 40,000 lbs

Equipment

Engine Brake: Yes

Details

Mileage: 172,410 mi
Body Type: Truck-Tractor

Dealer

Jackson Group Peterbilt

Missoula, MT

Visit dealer page

Specifications

Make: Cummins
Model: X15
HP: 525
Displacement: 15L
Fuel: Diesel

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Finance calculator

2020 Peterbilt 389 · 172,410 mi

Est. monthly

$2,012.19

Vehicle price

Pre-tax purchase price

Term (months)

Down payment (10%)

$10,590

Owner-ops: 10–20% typical

APR (9.50%)

Prime 7–9% · Median 9–12% · Subprime 14%+

Trade-in value

Deducted from financed amount

Condition

Drives Federal Excise Tax (FET)

Federal Excise Tax (FET)

FET applies$0

Skip if straight truck under 33k GVWR or trailer under 26k GVWR.

Off — used vehicles are exempt

Sales tax (0.00%)

Often 0% for interstate commercial use

Doc fee

Some states cap (CA $85, NY $75)

Title + registration

State title + lien fee

Balloon payment at end

Lowers monthly; paid as lump at term

Apply Section 179 first-year deduction

Heavy trucks (GVWR > 14,000 lbs) qualify for full deduction up to $1,220,000 in 2026. Assumes purchase in service this tax year. Consult a CPA.

Amount financed

$95,810

Total interest

$24,921

Total cost

$131,321

Effective / month

$2,012.19

Estimate only. Actual financing depends on credit, dealer program, and lender terms. Heavy-truck APRs typically range 7–18% depending on credit tier, vehicle age, and LTV. Interstate commercial-use purchases are often exempt from state sales tax. TruckRadar is not a lender. Consult a commercial-vehicle lender for binding quotes.

Market Index

2020 Peterbilt 389 X15

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Median Price

$118,750

This listing

−11% vs. comp median

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