Truck / heavy vehicle leasing
Heavy vehicle leasing finances trucks, road tractors, semi-trailers for transporters and logistics companies. Sector's preferred solution as vehicles are high-value assets with progressive depreciation.
Key characteristics
Duration
48-84 mois
Average rate
5%
For whom
Professionals
How it works
48-84 month leasing per vehicle type and use (national, international). Initial down payment 10-20%. Predictive maintenance included in some packs. Final purchase option 10-20% of original price.
Comparison vs classic credit
Vs classic credit: major tax advantage for transporters (100% deductible rents, recoverable VAT). Included maintenance avoids costly immobilizations (stopped truck = turnover loss 2,000-5,000 MAD/day).
2026 taxation
Rents 100% deductible, 20% VAT recoverable. For international transporters: 0% VAT possibility on export operations. Maximum sector tax optimization.
Numeric example
Transporter buys Volvo FH16 at 1.5M MAD. Leasing 72 months: down payment 15% = 225K, rent 22,500 MAD/month excl. tax × 72, VR 150K (10%). Total cost 1.995M MAD. Maintenance included, 100% deductible.
Advantages
- Preventive maintenance included (0 unexpected breakdowns)
- 20% VAT recoverable
- 100% tax deductibility
- Always recent and compliant fleet (euro 6)
Disadvantages
- Slightly higher rate (5%) than credit (4.5%)
- Demanding commercial file (balance sheets, forecasts)
- Penalties if annual mileage exceedance
- Long commitment 5-7 years
Recommended providers
Maghrebail
Wafa Leasing
BMCI Leasing
Salafin
When to choose this product?
Essential for multi-truck transporters. Recommended for first truck of starting individual entrepreneur. Avoid if seasonal or inconsistent activity.
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