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Best Lease Purchase Trucking Companies in 2025

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.