Best Lease Purchase Trucking Companies in 2025

Best Lease Purchase Trucking Companies in 2025. By Henrik Sjöberg

Finding the right lease-purchase trucking company can be challenging, whether you're entering your first lease or looking for better terms. Unlike company driver positions, lease-purchase drivers are responsible for truck payments, maintenance, insurance, and other associated costs. It's crucial to choose a company that aligns with your career and financial goals to avoid setbacks.

Top Lease Purchase Trucking Companies in 2025

Here’s a look at some of the best lease purchase trucking companies based on their reputations, driver options, and pay programs:

1. J&R Schugel

Founded: 1974

Headquarters: New Ulm, Minnesota

Key Benefits:

No money down and no credit check

2020 and newer Kenworth trucks

75% of line haul revenue

No trailer fees

Weekly pay

Employee-owned company

Options for truckload, refrigerated, and dedicated freight

2. Roehl Transport

Founded: 1962

Headquarters: Marshfield, Wisconsin

Key Benefits:

Earned Down Payment Program: Transition from company driver to owner-operator

Well-maintained equipment with low weekly payments

Dynamic pay plans and business ownership training

Regional and dedicated route options

3. CRST

Founded: 1955

Headquarters: Cedar Rapids, Iowa

Key Benefits:

No money down, no credit check

Walk-away lease options

Low truck payments with guaranteed maintenance

Average annual earnings of $215,000

Sign-on bonuses available

Haul dry van, flatbed, and specialized freight

4. PAM Transport

Founded: 1980

Headquarters: Tontitown, Arkansas

Key Benefits:

Fully loaded 2019-2021 Freightliners and Peterbilts

Lease-to-own options with no trailer rental charges

No money down, no credit check

$599 weekly lease payments

Overdrive Lease Program to help drivers transition to ownership

Restrictions: Lease program not available in certain states, including AZ, CA, CO, and NY.

5. J.B. Hunt

Founded: 1961

Headquarters: Lowell, Arkansas

Key Benefits:

Fortune 500 company with extensive freight network

Multiple third-party lease options available

Mileage or percentage-based pay options

Diverse freight choices, including intermodal and dedicated routes

6. Nova Lines

Founded: 2012

Headquarters: River Grove, Illinois

Key Benefits:

2022 and newer Freightliner Cascadia trucks

Walk-away leases with no balloon payment

Competitive pay

Path to ownership without hidden fees

Flexible home time options

7. Prime, Inc.

Founded: 1970

Headquarters: Springfield, Missouri

Key Benefits:

Industry leader in refrigerated freight

No money down and no credit check for standard leases

Fixed lease payments starting at $978 per week

End-of-lease incentives up to $17,000

Comprehensive support and access to maintenance shops

Lease Purchase Program: Requires a $14,000 down payment but offers truck ownership at the end.

8. Schneider

Founded: 1935

Headquarters: Green Bay, Wisconsin

Key Benefits:

Flexible lease options with no-money-down choices

Credit score flexibility and deferred payment options

Wide selection of trucks with top-tier warranties

Comprehensive business consulting services

Flexible maintenance accounts and payment structures

How to Choose the Right Lease Purchase Program

Before committing to a lease, consider these factors to ensure the best fit for your needs:

Understand Financial Obligations:

Weekly expenses, maintenance costs, and expected take-home pay.

Lease Type:

Walk-away leases vs. full-commitment leases.

Read the Fine Print:

Review contracts thoroughly to check for hidden fees such as permits, trailer rentals, and maintenance costs.

Pay Structure:

Determine whether mileage-based or percentage-based pay works best for you.

Credit Requirements:

Some companies offer no credit check leases, while others may require a minimum score.

Truck Options:

Check for well-maintained, newer model trucks that fit your lifestyle and freight needs.

Why Choose Anderson Trucking Service (ATS)?

At ATS, we offer a unique one-year lease program with the following benefits:

No money down and no credit check

No fixed expenses for the first two weeks

Sign-on bonuses

Top industry pay

Cost coverage for plates, permits, and trailer rental fees

Access to a well-maintained fleet with various makes and models