Lease purchase programs offer a clear path to truck ownership without the heavy up front investment. But are they really worth it in 2025? For many drivers, the answer is yes — if you pick the right carrier and fully understand the terms.
In this post, we break down what lease purchase trucking is, the pros and cons, and which companies stand out for offering driver-first lease purchase programs.
What Is Lease Purchase Trucking?
Lease purchase trucking allows drivers to lease a truck from a carrier, run freight as an owner-operator, and eventually own the truck after completing the lease term.
You’ll typically:
- Make weekly lease payments
- Handle your own maintenance and fuel
- Operate under the carrier’s authority
- Own the truck after the final buyout payment
Pros of Lease Purchase Trucking in 2025
✅ No Large Down Payment Needed
Most carriers don’t require a big upfront cost to start.
✅ Be Your Own Boss
Lease purchase is a stepping stone to full ownership and running your own operation.
✅ Tax Advantages
As a business owner, you can deduct expenses like fuel, repairs, and depreciation.
✅ Higher Pay Potential
Owner-operators typically earn more per mile than company drivers — especially once the truck is paid off.
Risks and Challenges to Watch Out For
⚠️ Weekly Payment Pressure
You owe the lease amount regardless of how many loads you run.
⚠️ Maintenance Costs
Unless you have a maintenance plan, repairs are on you — and they can get expensive.
⚠️ Carrier Control
In some programs, the carrier controls the loads and rates, limiting your independence.
⚠️ Contract Traps
Some programs include balloon payments or termination fees that make it hard to walk away.
How to Choose the Right Lease Purchase Program
Before signing a contract, ask:
- What’s the weekly payment and what does it include?
- How many miles per week can I expect?
- Is there a maintenance escrow?
- Can I leave early without penalty?
- Is there a walk-away option?
👉 Talk to a Driver Advocate for help reviewing lease purchase offers and making the best decision.
Top Lease Purchase Trucking Companies in 2025
Here are three standout carriers offering driver-focused lease purchase options:
ATS (Anderson Trucking Service)
Best For: Specialized freight & high earnings
ATS offers lease purchase opportunities in flatbed, heavy haul, and van divisions. Drivers enjoy:
- Up to $180,000/year potential
- Fuel and tire discounts
- Access to top-tier equipment
- No forced dispatch
📦 Why it’s great: You keep more of what you earn, and their freight network is reliable across the lower 48.
Soar Transportation Group
Best For: Newer trucks & support
Soar stands out for its equipment and service support. Lease drivers benefit from:
- 2021–2024 trucks with APU and inverters
- No money down, no credit check
- Full maintenance programs available
- Consistent miles and freight
🛠️ Bonus: Soar’s support team helps you stay on the road and profitable — crucial for lease operators.
CRST
Best For: Team lease programs & new drivers
CRST offers one of the most accessible lease options for drivers ready to run hard. Highlights include:
- Lease-to-own with no credit check
- Paid orientation
- Weekly settlements and fuel discounts
- Strong network of freight, especially for teams
🚛 Ideal for: Drivers who want to lease as a team or build experience while owning equipment.
So, Is Lease Purchase Trucking Worth It in 2025?
If you’re disciplined, driven, and understand the business side of trucking, lease purchase can be a smart investment. It offers flexibility, ownership, and increased earnings — but only if you partner with the right carrier and manage your expenses wisely.
✅ Ready to find the right lease program? Explore Lease Purchase Jobs Now or chat with a Driver Advocate for 1-on-1 support.
FAQ: Lease Purchase Trucking in 2025
Q: Can I do lease purchase with no experience?
A: Some companies (like CRST) offer lease programs for newer drivers, but most prefer 6–12 months of experience.
Q: Are lease payments tax-deductible?
A: Yes — lease payments and most operating costs are deductible for 1099 drivers.
Q: What happens if I want out of the lease early?
A: It depends on the contract. Some carriers offer walk-away leases with no penalty; others may charge early termination fees.
For more updates and insights into the trucking world, stay tuned to Drivers1st.com!