Financing,
explained plainly.
We're a dealership, not a lender — so we won't pretend to approve you. What we will do is tell you exactly how buyers usually fund a purchase here, and what paperwork a lender will want.
How buyers usually pay
Every purchase completed through Heavy settles by bank wire transfer against an invoice that matches your signed agreement. Whether that money is yours or a lender's makes no difference to us — the process is identical.
Route 1 — Your own bank or credit union
The most common path. Credit unions in particular often quote better rates than dealer-arranged finance, and you arrive as a cash buyer, which keeps everything simple.
Route 2 — A specialist lender
Several national lenders write loans specifically for machines, typically with longer terms than an ordinary car loan. They will want the listing, the VIN, the year and the agreed price — all of which we provide on request.
Route 3 — Cash or a home equity line
Plenty of buyers fund outright or from an equity line. Nothing changes on our side: same agreement, same invoice, same 10-day inspection window.
What a lender will ask us for
- The listing page and stock number
- Year, make, model and VIN
- The agreed purchase price and a copy of the invoice
- Our business details for the payout
Send them our way — we usually turn documents around the same business day.
What affects your rate
- ✓Credit profile and debt-to-income
- ✓Age and type of the machine
- ✓Loan term and down payment
- ✓Whether the lender classes it as a second home
What's your budget?
We'll match it against current inventory and send you the paperwork your lender will ask for.