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.
Incentives
Keep your business moving with exclusive offers from Mack Financial Services.
Customer care
We are here for you. Have questions or want information on a program?
Mack Integrated Insurance
We offer a full suite of business risk management insurance products on all purchases and equipment.
Mack Leasing System
Explore full-service leasing, rental, and maintenance solutions designed to keep your fleet efficient and your business growing.
Discover the Power of Mack Certified.
We build trucks for a lifetime of hard work. That means a Mack Certified used truck is one of the best values on or off the road.
Purchase with Sourcewell
Mack Trucks is contracted to sell Class 6 and class 7 medium-duty and class 8 heavy-duty trucks through the Sourcewell Purchasing Program.
Mack Financial Services makes it easy.
Real quotes.
Real customers.
Mack Financial Services was willing to look past the balance sheet and understand the business and the people involved in that business.
Joel Jondahl, CFO
Desert Ready Mix
A foundation of support from MFS, Vanguard Truck Centers and Mack Trucks helps Desert Ready Mix grow their concrete business
Mack ElectriFi
Charge your fleet forward with financing options designed for ultimate flexibility to meet your needs.
Loan vs lease
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
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.
Benefits of working with us
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
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. What if 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.