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How to finance an Isuzu commercial truck

Expand your fleet with the country's award-winning low-cab-forward work truck.

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Although Isuzu no longer sells passenger cars in Canada, its still one of the top commercial truck dealers in the country. Isuzu vehicles are favored for their reliability as well as their 3-year unlimited-mile engine warranty on all new diesel vehicles.

How can I finance an Isuzu commercial truck?

If you’re planning to purchase a new truck, you have 4 financing options to choose from:

  • Secured car loan. Comparing secured car loans from banks, credit unions and online lenders can usually get you the lowest interest rate. However, it’s typically not as fast as your other options. And you’ll need to use your new truck as collateral, which means it can be repossessed if you don’t make your payments.
  • Unsecured car loan. If you have good credit, you could qualify for an unsecured personal loan, which won’t require you to use your truck as collateral. You can get approved before you go truck shopping, which makes the process easier, but you’ll likely have to pay a higher interest rate since there’s more risk to the lender.
  • Financing through a dealership. Looking for a fast and easy option? You can finance your truck through one of over 20 Isuzu dealerships across Canada or at any other dealership that’s authorized to sell Isuzu vehicles. However, what you gain in convenience you may lose in interest — you can usually find a better rate by shopping around for secured third-party car loans.
  • Leasing through a dealership. Plan to upgrade your truck in a few years? Starting a new business and don’t want to be on the hook for payments in case you don’t succeed? You may want to consider leasing a new truck instead of buying it. When the lease is up, you can trade the truck in, refinance or choose to buy it.

Compare auto loan options

Name Product Min. Loan Amount Interest Rate Loan Term Min. Credit Score Requirements Table description
Loans Canada Car Loans
$500
0% - 29.99%
3 - 96 months
300
Min. income of $1,800 /month, 3+ months employed
Get access to financing from multiple lenders across Canada through a single application with Loans Canada. Bad credit, CERB and EI borrowers are considered.
AutoLoanProviders
$7,500
3.99% - 29.99%
12 - 96 months
300
Min. income of $1,800 /month, 1+ months employed
Available in Ontario only.
Browse thousands of available vehicles and apply online from the comfort of your own home. Receive confirmation of your financing options and get your new vehicle delivered to your door anywhere in Ontario free of charge. All credit scores considered.
CarsFast Car Loans
$500
4.90% - 29.90%
12 - 96 months
300
Min. income of $1,800 /month, 3+ months employed
Browse thousands of vehicles from dealers across Canada and get matched with financing that meets your needs. Apply online to purchase a new or used vehicle and get the vehicle delivered to your door.
Coast Capital Car Loan
$10,000
Varies
18 - 84 months
650
Able to service debt payment of $300/month
Finance or lease both new and used vehicles with competitive rates and flexible terms from one of Canada's largest credit unions. No credit union membership required for this product.
Splash Auto Finance
$10,000
9.90% - 29.90%
24 - 84 months
300
Min. income of $2,200 /month, 3+ months employed
Splash Auto Finance provides auto loans to borrowers with fair credit, bad credit, no credit or bankruptcy. Get financing for a new or used car.
LoanConnect Car Loans
$500
9.90% - 46.96%
3 - 120 months
550
No min. income requirement
Get access to 25+ lenders through LoanConnect's brokerage. Receive pre-approval in as fast as 60 seconds and get your funds in as little as 24 hours.
Canada Auto Finance
$500
4.90% - 29.95%
3 - 96 months
300
Min. income of $1,500 /month, 3+ months employed
Canada Auto Finance is a broker that connects borrowers with partnered local lenders. Financing for a new or used car is available for borrowers with bad credit, no credit, CERB, EI or bankruptcy.
Carloans411 Car Loans
$500
1.90% - 19.99%
Up to 72 months
300
Min. income of $1,600 /month, 3+ months employed
Get connected with suitable lenders through CarLoans411. Finance your next car, van or truck with loans available in amounts from $500 to $50,000. Check eligibility for this loan through LoanConnect.
Fairstone Secured Personal Loan
$5,000
19.99% - 23.99%
36 - 120 months
560
Established credit history and own your home
Fairstone offers secured personal loans up to $50,000.
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Representative example: Kenji buys an Isuzu truck

Kenji, a resident of Ontario, runs a local shipping company and is looking to replace his 2012 Isuzu NPR HD diesel truck with a new one. He finds a 2020 model with a 14′ box priced at $76,500.00. Kenji is able to trade in his old Isuzu for $9,500.00 and makes an additional 20% down payment of $15,300.00 on the new truck. He applies for financing from the dealership to cover the remaining amount of $51,700.00 plus 13% HST.

Because of his solid credit history, Kenji is approved for a loan with competitive terms. Along with the cost of his loan, he also pays around $200.00 to register the truck with the province of Ontario – this includes the cost of a license plate sticker and a vehicle permit (he can reuse the plates from his old truck, so he doesn’t need to buy new ones).

Cost of new truck$76,500.00
Loan typeAuto loan (term loan)
Loan amount$60,410.00
Interest rate (APR)5.90%
Loan term8 years
Additional fees4.00% origination fee ($2,465.80)
Payment $790.94 monthly or $364.67 biweekly
Total loan cost$75,930.24 with monthly payments or $75,851.36 with biweekly payments

*The information in this example, including rates, fees and terms, is provided as a representative transaction. The actual cost of the product may vary depending on the retailer, the product specs and other factors.

What will a new Isuzu commercial truck cost me?

Isuzu doesn’t list manufacturer suggest retail prices on its website, and prices will vary by dealership. Expect to pay anywhere from $55,000 for a new gas NPR truck to upwards of $100,000 for a new diesel FTR.

To find out how much a new Isuzu truck costs in your area, you can use the site’s Get a Quote feature on the bottom of its homepage to get a price quote from a local dealer.

Business vehicle financing options

Do new Isuzu trucks come with a warranty?

Yes. The N-Series gas trucks come with a 3-year, 60,000-km basic warranty and a 5-year, 120,000-km engine warranty. Both the N-Series diesel and F-Series trucks come with a 3-year unlimited-km basic and engine warranty.

Plus, all new Isuzu diesel trucks have a 2-year, 38,400-km tire warranty. N-Series gas trucks and F-Series trucks both come with a 5-year, unlimited-km corrosion warranty, while N-Series diesel trucks come with a 3-year, unlimited-km corrosion warranty.

Why did Isuzu stop selling cars and other passenger vehicles?

Because not very many people were buying them. Isuzu slowly cut down the number of models it was selling in North America, trying to focus solely on its bestsellers. By early 2009, the only two Isuzu non-commercial vehicles being sold in the US were the Ascender SUV and I-Series pickup trucks and neither were selling well.

In January 2009, after nearly 30 years of selling passenger vehicles in the States, Isuzu announced that it was pulling both models from the US market. However, the company’s commercial trucks continue to sell well and are available in both the States and Canada.

Bottom line

Isuzu may not sell cars in Canada anymore, but the manufacturer’s commercial box trucks are some of the best in the business. If you want a chance to upgrade your truck regularly or you don’t know if you’ll still be in business in a few years, leasing a truck can help you save.

But if you’re thinking long term and you’re ready to buy, compare car loans before you head to the dealership to get the best deal.

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