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Your Caterpillar account is the single account you use to log in to select services and applications we offer. Shop for parts and machines online, manage your fleet, go mobile, and more.
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Compare Your Options
Loan or lease? It helps to take a side-by-side look at your various financing options as you make decisions for your business. Compare financial products here.
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Finance
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Operating
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Who has ownership? |
You do |
We do, but you have the option to return at lease-end and in some instance before the predetermined date |
We do, but you have the option to return at lease-end and in some instance before the predetermined date |
Am I building equity? |
Yes, faster than a finance lease |
Yes, but slower than a loan |
No |
Who benefits from tax depreciation? |
You do |
You do |
We do |
How high or low is my monthly payment? |
Higher |
Lower |
Lowest |
What is the purchase option? |
N/A |
A bargain option to reduce your payment |
Predetermined fair market value |
Is there contract flexibility? |
Yes |
Yes |
Some |
Are there early payoff restrictions? |
No |
No |
Some |
Who pays personal property tax? |
You do (varies by state) |
You do (varies by state) |
We do, then invoice you |
Where can I learn more? |
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Financing options and renting agreements are specific to each region and include additional terms and conditions. Loans are available in Mexico, Central America, Panama, Argentina, Bolivia, Chile, Paraguay, Perú and Uruguay. Finance leases are only available in Mexico and Panama. Operating leases are only available in Mexico.
Talk to your Cat® dealer for more details and other benefits that may be available in your location.
