Our Business is building your business Our Business is building your business

Let's build together.

Mack Financial Services is the global financial partner for Mack Trucks. Our focus is Mack customers like you and our goal is to provide the tools to help you build your business.

Customized finance solutions Customized finance solutions

Customized finance solutions.

Whether you are a single operator or managing an entire fleet, we offer flexible and innovative finance programs for your business. As the captive finance company for Mack Trucks, we can offer exclusive bundle packages for vehicle, insurance, service, parts and support based on your needs.

We're with you for the road ahead We're with you for the road ahead

We’re with you for the road ahead.

We make financing process easy and we will be your partner through it all. You can rely on the strength of an industry leader that will support you in both good and challenging times.

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  • Current Offers

    Determine your estimated payments for your new or premium Certified™ Pre-Owned Mack.

    Learn More

  • Customer Care

    We are here for you. Have questions or want information on a program?

    Contact Us

  • Find a Dealer

    Enter your zip code to locate a certified Mack dealership near you.

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  • Mack Integrated Insurance

    We offer a full suite of business risk management insurance products to customers on all purchases and equipment.

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Mack Makes It Easy

Mack Financial Services Makes it Easy

  • MORE EARNING TIME
    We are easy to do business with. We operate fast. You will get a customized solution you can rely on.

  • INDUSTRY EXPERTS
    We know your industry and we understand your business.
    We can develop the right solution to fit your specific needs.

  • GET YOUR BUSINESS MOVING. FAST.
    Our dedication means we are passionate about your success.
    We create more opportunities for your business and we want to get you moving quickly.

  • Loan vs Lease

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    Loans

    When ownership is important to you then a retail loan can benefit your business.

    • Plan to own the equipment
    • Build equity
    • Versatile terms available that align with your business needs
    • Flexible payment options – balloon payments, seasonal or skip payments for qualified customers

    Lease

    Lease payments are often lower than a typical retail loan and may have tax benefits for your company. We have several leases available for consideration.

    TRAC Lease

    Acquire your truck at a predetermined amount or sell it at the end of the lease term*

    • Preserve bank lines
    • Often no down payment required
    • Residual is determined at the beginning of the lease term
    • Typically provides lower payment option than traditional retail loan
    • Option to purchase the equipment at lease maturity

    Fair Market Value (FMV) Lease

    Turn your truck in or purchase it at the end of the lease term for the fair market value.

    • Preserve bank lines
    • Often no down payment required
    • Typically provides the lowest payment option than other lease or retail loan structures
    • Ability to “walk-away” at lease maturity**

    *Purchase at the predetermined TRAC value or return to lessor for disposition. If the truck sells for more than the residual the customer will receive the net proceeds. If the truck sells for less, the customer is responsible for the difference.
    ** Return conditions and excess mileage charges apply.

  • Insurance Options

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    GAP Waivers*

    In the event of a total loss or unrecovered theft, a GAP Waiver helps you get back on the road by waiving the difference between what your insurance pays and the amount you owe.

    Hidden

    Looking for additional insurance options? Visit www.mackintegratedinsurance.com

    *GAP Coverage is available through Mack Insurance Services, an affiliate of MFS. GAP waivers are not available in Michigan, Montana, New York, North Dakota, Oregon and Washington or where prohibited by law. GAP waivers do not provide benefits to any sublessee of the borrower/lessee.

  • Benefits of Working with Us

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    Our customers choose Mack Financial Services because they understand we are committed to offering custom and comprehensive solutions for their businesses.

    For over-the-road or vocational applications, we are your source for financial solutions that are both sound and flexible. We provide consistent and competitive financing and leasing solutions to support our customers.

    We understand your business

    Equipment expertise

    Flexible financing options

    Insurance products

    Automated service

    • Electronic invoicing
    • Easily make payments with Speedpay
    • Automated Clearing House (ACH) recurring payments

  • Frequently Asked Questions

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    Our customers choose Mack Financial Services because they understand we are committed to offering custom and comprehensive solutions for their businesses.

    For over-the-road or vocational applications, we are your source for financial solutions that are both sound and flexible. We provide consistent and competitive financing and leasing solutions to support our customers.

    Q. Why should I finance with Mack Financial Services (MFS)?
    A. As the captive finance company for Mack Trucks we know the equipment and understand the challenges you face in the transportation industry. We can offer personal consultation and assist in finding the right finance structure to meet your business needs. We often have special bundled finance offers that may include extended purchase plans to protect your investment.

    Q. I already have financing lined up.
    A. You may consider preserving your bank lines for other business purposes and consider using MFS. We often have special bundled finance offers that may include extended purchase plans or service agreements to protect your investment.

    Q. Do I have to put money down when I purchase a truck?
    A. Many customers finance 100% of their purchase however, a down payment or the use of trade equity helps you improve your cashflow, lower your Total Cost of Ownership (TOC) and build equity in your new truck investment.

    Q. How long can I finance my truck?
    A. Our flexible financing provides many options for the terms of a lease or loan. Many customers match their finance terms to a predetermined life cycle and/or any extended purchase coverage acquired with the truck. Depending on the segment of the transportation industry in which you operate, in common terms are from 36 months to 60 months.

    Q. Is a lease or a loan better for me?
    A. Depending on your business needs our experienced staff can review both a lease or a loan structure with you. However, we advise you to consult your financial advisor to make a final decision on which product will meet your financial goals.

    Q. How do I contact MFS?
    A. You can reach our staff by calling (800) 281-8585 or by reaching out directly to your local Mack Truck dealer for more information.

NOTE: Final approved transaction terms for any MFS offers, including down payment, are subject to standard MFS credit underwriting guidelines and advance policy. MFS reserves the right to amend or cancel any programs at any time without notice. Approvals will state any program terms and any other conditions deemed appropriate by MFS. Except as explicitly stated, program rates may not be combined with any other program or offer. No additional rate discounts are available. Offers are available only in the U.S.

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