2020 Volvo VNR 640

$37,900

UsedClass 8

Elk River

Miles

455,779 mi

Year

2020

Engine

Volvo D13

Horsepower

405 HP

Transmission

Automatic

Axle Config

6x4

Specifications

Engine

Make: Volvo
Model: D13
HP: 405
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automatic

Dealer

GATR

Elk River

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2020 Volvo VNR 640

$37,900

UsedClass 8

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Elk River

Chassis

Wheelbase: 172"
GVWR: 33,001 lbs

Details

Mileage: 455,779 mi
Body Type: Truck-Tractor

VIN

4V4WC9EGXLN239739

NHTSA Verified

Stock #

gatr-scrape-16709803

Dealer

GATR

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Market Index

2020 Volvo VNR 640 D13

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Median Price

$39,825

This listing

Near market median

Active listings

Asking-Price Intelligence

Median ask (active)$39,900N=77

Asking range (P25–P75)$36,500 – $46,950

This listing5% below median ask

Median ask (incl. 90d delisted)$39,750N=143

Median days listed18N=67, last 12 months

Had any asking reduction39%of 148 listings

Median total reduction8.1%

We track asking prices and listing behavior, not transaction prices. We do not know the prices these units actually sold for.

Specifications

Engine

Make: Volvo
Model: D13
HP: 405
Displacement: 12.8L
Fuel: Diesel

Drivetrain

Transmission: Automatic
Axle Config: 6x4
Rear Ratio: 2.47

Chassis

Wheelbase: 172"
GVWR: 33,001 lbs

Details

Mileage: 455,779 mi
Body Type: Truck-Tractor

Finance calculator

2020 Volvo VNR 640 · 455,779 mi

Est. monthly

$726.87

Vehicle price

Pre-tax purchase price

Term (months)

Down payment (10%)

$3,790

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

$34,610

Total interest

$9,002

Total cost

$47,402

Effective / month

$726.87

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.

Asking-Price Intelligence

Median ask (active)$39,900N=77

Asking range (P25–P75)$36,500 – $46,950

This listing5% below median ask

Median ask (incl. 90d delisted)$39,750N=143

Median days listed18N=67, last 12 months

Had any asking reduction39%of 148 listings

Median total reduction8.1%

We track asking prices and listing behavior, not transaction prices. We do not know the prices these units actually sold for.