Three paths · Pick the one that fits
Net-30 on approved business credit, Affirm at checkout, or equipment financing up to 72 months. Same-day approval on most accounts. No application fees. No nonsense.
Every line below reflects real terms PHS Lift can offer today. APR ranges are quoted from our 2026 lender relationships and the prime rate environment as of mid-2026.
Sample monthly payments on common Noblelift configurations at 8.5% APR (mid-range of typical 2026 equipment-financing approvals). Your actual rate depends on credit profile, term, and structure ($1 buyout vs FMV).
| Equipment example | Price | 36 mo | 48 mo | 60 mo | 72 mo |
|---|---|---|---|---|---|
| PSR30 Walkie Reach Lithium 3,000 lb | $22,700 | $720 | $560 | $470 | $400 |
| Alpha 50 Li 5,000 lb Lithium Counterbalance | $25,000 | $790 | $620 | $510 | $440 |
| FL4P50N — 5,000-lb LPG Pneumatic | $32,100 | $1,010 | $790 | $660 | $570 |
| FL4C50 — 5,000-lb LPG Cushion | $36,100 | $1,140 | $890 | $740 | $640 |
| FE4P50/60/70Q — 5,000–7,000 lb Lithium | $43,400 | $1,370 | $1,070 | $890 | $770 |
| CBT33 — Stand-Up Counterbalance Lithium | $58,400 | $1,840 | $1,440 | $1,200 | $1,040 |
Sample payments rounded to nearest $10. Actual approved rate and total cost depend on credit profile, lender, term structure ($1 buyout vs FMV lease), and down-payment percentage. Try the Financing Calculator for any equipment + term combination.
Stripe powers our online checkout, and the available methods adapt automatically to your order size. Cards, bank transfer (ACH), digital wallets, and three Buy-Now-Pay-Later options all surface when your order qualifies. Net-30 and equipment financing live outside Stripe (above) for larger orders.
Standard checkout for orders under $10K. Disabled above $10K to avoid the 2.9% card fee on big-ticket purchases (use ACH or Net-30 instead).
Instant bank verification via Plaid (no micro-deposit wait). 0% fees, clears in 3–5 days. Strongly recommended for orders $2,500+ — saves you the card processing fee.
Affirm and Klarna both go up to ~$30K (Pay-in-4 or monthly). Afterpay is Pay-in-4 only and caps around $4K — best for parts and accessories. All three surface automatically at checkout when your order qualifies.
| Order Total | Available at Checkout | Notes |
|---|---|---|
| Under $2,500 | Cards, ACH, Apple/Google Pay, Link, Affirm, Klarna, Afterpay, Cash App Pay | Everything Stripe supports |
| $2,500 – $9,999 | Same as above + ACH savings banner | Affirm/Klarna up to ~$30K; Afterpay caps ~$4K |
| $10,000 – $24,999 | ACH only (plus Net-30 / Stripe Invoicing offline) | Cards & BNPL disabled — saves you the 2.9% fee |
| $25,000+ | Quote-only — ACH, wire, leasing, or Net-30 | A specialist locks fleet pricing & finance terms |
BNPL caps: Affirm and Klarna both finance up to ~$30K — comparable options for full forklift purchases. Afterpay caps around $4K (Pay-in-4 only), making it best for parts, accessories, attachments, and smaller pallet jacks. For orders above $30K, use equipment financing or Net-30 on approved business credit.
No. You can pay by ACH, wire, or check at invoice. Financing exists for buyers who want to preserve working capital or spread the cost across multiple periods. About 60% of our orders use financing in some form; 40% pay cash.
For Net-30: PHS Lift uses business credit (Paydex, Experian Intelliscore, D&B rating) plus trade references — personal FICO is not the primary factor. For equipment financing: lenders typically want 650+ personal FICO on principals AND 2+ years in business AND $250K+ annual revenue for streamlined approval. Below those thresholds, we can still find paths but expect a higher rate.
Equipment financed via a $1-buyout structure is treated as owned for tax purposes — Section 179 applies. True-lease structures (fair market value buyout) are deductible as lease expense instead. The right structure depends on your tax position; talk to your CPA before signing. PHS Lift can structure either.
$1 buyout = you own the truck at end of term for $1. Higher monthly payment, but the truck is yours and Section 179 applies upfront. FMV (fair market value) lease = you can buy the truck for ~10–20% of original price at end of term, return it, or extend. Lower monthly payment, but you're renting the equipment over the term.
Net-30: no penalty (it's a 30-day term, not a loan). Affirm: no penalty — pay off any month without fee. Equipment financing: depends on the lender — some have early-payoff penalties for the first 12 months, some don't. We'll surface this in the term sheet before you sign.
Yes — and for fleet orders (3+ trucks) we generally recommend equipment financing because it spreads the total cost into one monthly payment. Net-30 also works for fleet orders if you have the credit line, but the equipment-finance route preserves Net-30 capacity for parts, accessories, and recurring needs.
Net-30 and Affirm work the same on used. Equipment financing on used trucks is available but lenders cap loan term at the truck's expected remaining useful life (typically 36–48 months for a used truck vs. 60–72 for new). Rates may be 0.5–1.5% higher on used.
Net-30: zero down. Affirm: depends on the buyer's pre-qualification — often zero down. Equipment financing: typically 10–20% down for new trucks, sometimes zero down for buyers with strong credit profiles or established trade history.
Yes — both surface automatically at Stripe checkout. Klarna offers Pay-in-4 (interest-free over 6 weeks) plus longer-term monthly financing, with order limits up to ~$30K — comparable to Affirm. Afterpay is Pay-in-4 only and caps individual orders around $4K, so it's best for parts, accessories, attachments, or smaller pallet jacks. For full forklift purchases, Klarna and Affirm both work; for orders above $30K, use equipment financing or Net-30 on approved business credit.
Pick a path, get the truck, get back to running your warehouse. Application takes 5–15 minutes; most approvals are same-day or next business day.
