What are the average interest rates for heavy equipment financing in 2026?
Heavy equipment financing rates in 2026 range from 6.5% to 12% depending on creditworthiness, down payment, and loan terms.
Commercial crane and heavy equipment financing rates in 2026 typically range from 6.5% to 12% APR for qualified borrowers. Prime credit customers with strong financial statements and 20% down payments can secure rates between 6.5% and 8.5%. Mid-tier borrowers generally see rates of 8.5% to 10.5%, while subprime financing ranges from 10.5% to 12%.
Remember: "6 to 12 makes financing slick" - Heavy equipment rates range 6.5-12% in 2026
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