Mack Truck Financing:
Anthem, Pinnacle and Granite.

Mack has built its reputation on trucks that keep working long after the warranty lapses. For owner-operators and fleets alike, that durability is exactly what makes a Mack a sound financing candidate. A truck that holds its value and stays on the road protects both the borrower and the funding partner, which tends to translate into workable terms. This guide walks through how iLease Capital structures financing for the models buyers are actually purchasing today, the Mack Anthem, the Mack Pinnacle and the Mack Granite, along with the MP7 and MP8 engines and the mDRIVE transmission that sit under most of them.

Whether you are buying your first Class 8 tractor, adding a vocational dump truck to a construction fleet or replacing high-mileage units, the goal is the same. Match the payment structure to how the truck earns, keep working capital intact and avoid tying up cash that the business needs elsewhere. We finance new and used Mack trucks bought from dealers, auctions and private sellers, with deals up to $5 million plus.

The current Mack lineup and what it means for buyers

Before getting into financing mechanics, it helps to understand where Mack's on-highway lineup stands, because it directly shapes the used market you are buying into. In 2025 Mack introduced two purpose-built highway solutions. The all-new Mack Pioneer became the on-highway flagship with a 125.5-inch bumper-to-back-of-cab length tuned for aerodynamics and long-haul fuel economy. The Anthem was repositioned as a regional-haul truck with a shorter 113.5-inch bumper-to-back-of-cab length that favors maneuverability and payload. The all-new Anthem enters production in January 2026 at Mack's Lehigh Valley Operations facility in Macungie, Pennsylvania.

For most buyers reading this, the practical takeaway is straightforward. The Anthem, Pinnacle and Granite units filling dealer lots and auction blocks right now are the prior-generation trucks. They are the ones being financed every day. That is good news for anyone shopping used, because there is deep inventory, established resale data and predictable maintenance patterns. It also means the arrival of the Pioneer and the refreshed Anthem may soften pricing on outgoing units over time, which is worth watching if you are timing a purchase.

Mack Anthem financing

The Mack Anthem debuted in 2018 as Mack's Class 8 on-highway conventional. It comes as a day cab or with two different sleeper compartments, so it covers regional work, dedicated routes and over-the-road hauling. Used sleeper units are frequently listed as the AN64T. On the diesel side the Anthem runs the Mack MP7 or the larger MP8. A Cummins ISX12N natural gas option has been available as well.

Anthem buyers tend to fall into two camps. Owner-operators leaving a lease-purchase program want a truck they can title and control. Small fleets want to add pulling power without the price of brand-new iron. Financing an Anthem lets both preserve cash. Rather than draining a reserve to buy outright, you spread the cost across the revenue the truck generates, then keep your capital for fuel, insurance, tires and the inevitable repair.

On used pricing, the Anthem market is broad. As of 2026-09-12, one major marketplace showed 184 Anthem sleeper listings ranging from roughly $18,000 to about $211,721, with an average AN64T sleeper price near $70,029. Real listings from that same window included a 2021 Anthem with the Mack 455 rating at $59,900, a 2020 unit with the MP8 at 445 horsepower and just over 500,000 miles at $44,900 and a 2022 AN64T with a 70-inch roof and the 505-horsepower MP8 at $79,995. The spread is wide because mileage, engine rating, roof height and specification move the number far more than the model badge does.

Mack Pinnacle financing

The Mack Pinnacle is the axle-back conventional that served both highway and heavier applications. Older used Pinnacles carry the CXU613 and CHU613 designations, while later units appear as the PI64T or simply the 64T. Like the Anthem, the Pinnacle runs the MP7 or MP8. Many were spec'd with the mDRIVE automated transmission, though you will still find plenty with Mack and Eaton manual gearboxes on the used market.

Because the Pinnacle spans day cabs, sleepers and vocational-leaning configurations, its used values cover a wide territory. As of 2026-09-12, a major marketplace listed 648 Pinnacle day cabs, with an average 64T price near $96,290 and a full range from about $5,000 on tired high-mileage units up to roughly $240,000 on heavy-spec configurations. Specific listings from that period included a 2020 Pinnacle with the MP8 at 445 horsepower and 568,000 miles at $49,900, a 2019 CHU with the MP8 at 445 horsepower and 369,000 miles at $52,000 and a 2018 Pinnacle at 395 horsepower with roughly 470,000 miles at $27,500.

A note on comparing averages. The Pinnacle day-cab average sits above the Anthem sleeper average in these snapshots, which can look backwards at first glance. It reflects the mix of trucks in each sample more than any real premium. The Pinnacle day-cab pool skews toward newer and heavier-spec vocational units, while the Anthem sleeper pool includes many older, high-mileage over-the-road tractors. When you compare like for like on year, mileage and engine, the two land much closer together. This is exactly why a financing conversation should start with the specific truck in front of you, not a category average.

Mack Granite financing

The Mack Granite is the vocational workhorse, introduced in 2001 and still in production. It is built for dump, mixer, refuse and plow duty, with axle configurations from 4x2 up to 8x6 and an extra-heavy-duty chassis made for job-site abuse. Dump configurations are commonly designated GR64F or 64FR. Engine choices run the MP7 and MP8, with Cummins L9 and natural gas L9N options available for weight-sensitive builds.

Granite values behave differently from highway tractors. That difference matters when you finance one. Vocational demand stays strong, the heavy chassis wears well and a properly maintained dump truck earns for a long time. Used prices reflect that resilience. As of 2026-09-12, major marketplaces showed well over 800 Granite dump listings each, with prices ranging from about $74,500 to $366,665 and an average near $141,439. Auction data from the same window reinforced the strength, with a 2020 Granite selling around $90,200, several 2019 units between roughly $93,500 and $187,000 and 2021 units between about $184,800 and $202,400.

For construction firms, the case for financing a Granite is clear. A dump truck is a revenue center, so the payment should line up against the jobs it runs. Seasonal builders often ask about structures that ease payments through slow winter months. There is real flexibility there. If your work is tied to construction cycles, it is worth reviewing how the Granite fits alongside your other yellow-iron financing on our construction equipment financing page.

MP7 and MP8 engines: what they mean for value

The engine under the hood drives both performance and resale, so it belongs in any financing decision. The Mack MP7 is a 10.8-liter turbocharged inline-six producing 325 to 425 horsepower and 1,260 to 1,560 pound-feet of torque. It is the lighter, more fuel-conscious choice, well suited to regional work and lighter loads where payload matters. The Mack MP8 is the bigger 12.8-liter inline-six, marketed near 13 liters, producing 434 to 505 horsepower and up to 1,760 pound-feet in on-highway tune and higher torque in some vocational Granite ratings. Mack also offers the MP8HE, a high-efficiency variant with waste-heat recovery for fleets chasing every tenth of a mile per gallon.

From a lending standpoint, engine rating affects the collateral value and therefore the deal. A high-horsepower MP8 truck generally commands a stronger resale number than a base MP7 unit of the same year and mileage, which can support the amount financed. That does not mean an MP7 is a weaker candidate. For a regional operator hauling lighter freight, the MP7 may be the smarter total-cost buy. Financing it means you keep the fuel savings in your pocket rather than the seller's. The right answer depends on the work, not on chasing the biggest number on the valve cover.

The mDRIVE transmission

Most modern Macks pair these engines with the Mack mDRIVE, an automated manual transmission with no clutch pedal that shifts itself on demand. It comes in 12-, 13- and 14-speed configurations. The ruggedized mDRIVE HD adds one or two low-ratio creeper gears for heavy startability, which is why you see it on loaded Granite dumps and heavy Pinnacle builds, along with lower rear-axle ratios that help highway fuel economy in Anthem tractors.

The mDRIVE matters for financing in two ways. It broadens the pool of qualified drivers, since a truck that anyone can operate is easier to keep working and easier to resell. It also tends to hold value well because buyers now expect an automated transmission on a used Class 8 truck. A well-spec'd mDRIVE unit is a cleaner piece of collateral than an aging manual. Cleaner collateral generally supports more comfortable terms.

How iLease structures Mack truck financing

We treat every Mack deal as its own conversation, because a 6-year-old Granite bought at auction and a low-mileage Anthem from a franchise dealer are very different risks. In general, we offer equipment finance agreements and leases with terms commonly running from 24 to 72 months, structured around the age and mileage of the truck and the cash flow of your operation. Newer, lower-mileage units support longer terms. Older, higher-mileage trucks usually run shorter, which also keeps you from owing more than the truck is worth as it depreciates.

Seasonal and step structures are available for operators whose revenue is not flat across the year, which is common in construction and agriculture. We finance purchases from dealers, auctions and private parties. We handle both single-truck owner-operator deals and multi-unit fleet acquisitions up to $5 million plus. There is no artificial minimum that shuts out a first truck.

On credit, our process starts with a soft inquiry that does not affect your credit score, so you can see indicative terms before committing. A hard pull may come only at final approval once you decide to move forward. We look at the whole picture, time in business, the specific truck and its collateral value, not just a single score, which is why newer operators and rebuilding credit files are still worth a conversation.

Ready to finance your Mack?

Whether you are eyeing an Anthem for regional runs, a Pinnacle for mixed duty or a Granite for the job site, iLease Capital can structure a deal that fits how the truck earns. Call us at (866) 545-3273 to talk through your options, or start your application at ileasecapital.com/apply, it takes about three minutes and there's no hard credit pull. Questions first? Reach us through /contact and we will map out terms with a soft credit check that does not affect your score.

Frequently asked questions