The XCMG America Financial platform enables XCMG customers to obtain low, fixed-rate term equipment financing for XCMG equipment with no fees or hidden costs in minutes, not days or weeks.
Complete financing in minutes, with a better borrower experience for your customers.
✓ 24/7 Support | 585-207-0186 or support@quickfi.com
Embedded lending is a new, entirely digital option for innovative dealers. Dealers can give their customers a financing experience in minutes, not hours or days.
Dealers have the advantage of complete control over the equipment buying experience and can use the first sale as a step to establish a long term relationship with equipment buyers. Equipment buyers never have to leave the dealer without a sale closed.
Dealers have insight into every step of a transaction, with no black box of information. You are notified at every step and can change the transaction as you close your equipment sale.
Dealers can establish customers for life, with detailed customer data including repayment data, credit capacity, and equipment lifecycle to identify the most valuable customers to set up lines of credit for repeat business potential. Dealers can also unlock a new communication channel, to market additional revenue opportunities like parts, service, maintenance, and warranty.
2024 - 2025 Models: XE18U, XE27U, XE35U, XE45U, XE55U, XE75U, XE80U, CV83PDU, CV123PDU, XS125PD, XS165, XD100, XD120, XD120VT, XD140, XD140VT, XC7-SV12, XC7-TV12, XS115PDG, XTF1256K, XTF1056K, CV163PDU, XD130, XD130VT, XS115
| Credit Tier | Auto Approval | Down Payment | 12 | 24 | 36 | 48 | 60 |
| Excellent | Up to $250,000 | - | 0.00% | 0.00% | 0.00% | 0.00% | 1.99% |
| Good | $100,000 | 5% | 0.00% | 0.00% | 0.00% | 0.00% | 1.99% |
| Fair | $75,000 | 10% | 0.00% | 0.00% | 0.00% | 0.00% | 1.99% |
2024 - 2025 Models: XE135U, XE155U, XE210U, XE225U, XE235U, XE250U, XE300U, XE360U, XE490U, XC938U, XC948U, XC958U, XC968U, GR2605, GR3505T, XG1930AC, XG2632AC, XG3246AC, XG4047AC, XGS85J, XGA60J, XGA80J, XGS46J, XGS65J, XGA46J, XGS65J, ZFA85J, XE950G, XC978U, XGS125J, XGS158J, XC998U, XGR20AC, XDA45U, XC998U
| Credit Tier | Auto Approval | Down Payment | 12 | 24 | 36 | 48 | 60 |
| Excellent | Up to $250,000 | - | 0.00% | 0.00% | 0.00% | 1.99% | 2.99% |
| Good | $100,000 | 5% | 0.00% | 0.00% | 0.00% | 1.99% | 2.99% |
| Fair | $75,000 | 10% | 0.00% | 0.00% | 0.00% | 1.99% | 2.99% |
2023 Models: XE18U, XE27U, XE35U, XE45U, XE55U, XE75U, XE80, XE155U, XE210C(U), XE250EV, XE300U, XE360E, XE950G, XD100, XD120, XD120VT, XD140, XD140VT, XC7-SV12, TV10-12, TSSL 10-12 XE150SR, XC938, XC948, XC958, XS115, CV123U, CV163PD
| Credit Tier | Auto Approval | Down Payment | 12 | 24 | 36 | 48 |
| Excellent | Up to $250,000 | - | 3.99% | 3.99% | 3.99% | 3.99% |
| Good | $100,000 | 5% | 3.99% | 3.99% | 3.99% | 3.99% |
| Fair | $75,000 | 10% | 3.99% | 3.99% | 3.99% | 3.99% |
| XCMG Program | |
| Eligible company structures1 | Sole Proprietorships, Incorporated businesses, LLCs, & partnerships |
| Equipment condition2 | New |
| Available terms | 12 - 60 months |
| Rates | Rates range based on selected term and credit profile of applicant |
| Finance amount | $20,000 - $250,000+ |
| Customer fees | None |
| Personal guarantees required? | On a case-by-case basis |
| Are down payments required? | On a case-by-case basis |
1Financing is available to qualified business customers, subject to credit approval. Equipment will be used for business purposes and not for personal, family, or household. Program eligibility is at the sole discretion of XCMG America Financial and QuickFi and may change at any time. Maximum subsidy of 125% of dealer net, including XCMG attachment cost. Any amount outside 125% of dealer net will be subject to a blended rate or dealer buydown at XCMG
America Financial market rate determined by XCMG America Financial. Non-XCMG attachments can be financed up to 10% of machine dealer net at XCMG America Financial market rate determined by XCMG America Financial and
subject to blended rate or dealer buydown.
22024 - 2025 models with less than 1,000 machine hours.
*For Tier 3 Pricing on 2023 Models: Maximum subsidy of 120% of dealer net, including XCMG attachment cost. Any amount outside 120% of dealer net will be subject to a blended rate or dealer buydown at XCMG America Financial market rate determined by XCMG America Financial. Non-XCMG attachments can be financed up to 10% of machine dealer net at XCMG America Financial market rate determined by XCMG America Financial and subject to blended rate or dealer buydown.
Rates effective during promotional period beginning 5/1/2025. This program period expires 7/31/2025, and subject to change at XCMG AF’s discretion. XCMG Retail Finance Program is available for use by authorized and approved XCMG dealerships only. Rental customer financing not eligible for promotional rates.
The XCMG America Financial platform powered by QuickFi now offers retail financing for aged equipment—2021 XCMG Compact machines, 2021-2022 XCMG Large & Midi machines, and used equipment for all model years with greater than 1000 hours.
Interest Rate
7.75%
Available Terms
12 - 48
Finance Amount
$25,000 - $5,000,000
Equipment Condition
Used XCMG Machines with greater than 1,000 hours
Rates are effective for applications received during promotional period beginning on 1/1/2025. XCMG Retail Finance Program is available for use by authorized and approved XCMG dealerships only.
The FMV Lease Product is available for new equipment only. Eligible Models:
| Excavators | Skid Steer Loaders | MEWP |
| XE18U, XE27U, XE35U, XE55U | XC7-SV12 (hydraulic control, electrical control) | XG1930AC, XG2632AC, XG3246AC, XG4047AC |
| Term | 12 | 24 | 36 | 48 | 60 | 72 |
| Excellent | 0.06163 | 0.03400 | 0.02480 | 0.01990 | 0.01700 | 0.01520 |
| Good | 0.06230 | 0.0347 | 0.02546 | 0.02058 | 0.01764 | 0.01587 |
| Fair | 0.06333 | 0.03576 | 0.02653 | 0.02166 | 0.01874 | 0.01697 |
To calculate monthly payment, take the total financed amount multiplied by the applicable lease rate factor. These lease rate factors assume 1,200 usage hours per year.
1Financing and published rate terms are subject to credit approval for business customers who qualify. Not all buyers may qualify. Program eligibility may change at any time. Non-XCMG and used equipment do not qualify for this financing program. Equipment will be used for business purposes and not for personal, family, or household. Offer is available to customers in the USA and cannot be combined with any other offers. Offer subject to machine availability. Offer may change without prior notice and additional terms and conditions may apply. Contact your XCMG Sales Representative for details.
Rates are effective for applications received during promotional period beginning on 1/1/2025. XCMG Retail Finance Program is available for use by authorized and approved XCMG dealerships only.
The FMV Lease Product is available for new equipment only. Eligible Models:
| Excavators | Wheel Loaders | Rollers | Motor Grader | Haul Truck |
| XE75U, XE80U, XE155U, XE210U, XE225U, XE250U, XE300U, XE360U, XE490 | XC938U, XC948U, XC958U | CV83PDU, CV123PDU, XS125PD, XS165, XD100, XD120, XD120VT, XD140, XD140VT | GR2605 | XDA35U, XDA45U |
| Term | 12 | 24 | 36 | 48 | 60 | 72 |
| Excellent | 0.04752 | 0.02710 | 0.02110 | 0.01830 | 0.01640 | 0.01510 |
| Good | 0.04826 | 0.02789 | 0.02179 | 0.01896 | 0.01709 | 0.01573 |
| Fair | 0.04946 | 0.02910 | 0.02298 | 0.02012 | 0.01821 | 0.01684 |
To calculate monthly payment, take the total financed amount multiplied by the applicable lease rate factor. These lease rate factors assume 1,600 usage hours per year.
1Financing and published rate terms are subject to credit approval for business customers who qualify. Not all buyers may qualify. Program eligibility may change at any time. Non-XCMG and used equipment do not qualify for this financing program. Equipment will be used for business purposes and not for personal, family, or household. Offer is available to customers in the USA and cannot be combined with any other offers. Offer subject to machine availability. Offer may change without prior notice and additional terms and conditions may apply. Contact your XCMG Sales Representative for details.
Rates are effective for applications received during promotional period beginning on 1/1/2025. XCMG Retail Finance Program is available for use by authorized and approved XCMG dealerships only.
