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Lease-On & Lease-Purchase Driver Programs

Want the freedom of an owner-operator without buying a truck on day one? Drive under our authority. Same dispatch quality. Same earning power. With a path to ownership when you're ready.

// What we hear from drivers

If any of this sounds familiar — we built this for you.

The friction CDL drivers thinking about going independent hit every single week.

You're a great driver but don't have $80k–$200k for a truck plus authority right now
Mega-carrier W-2 jobs pay a flat cents-per-mile — no upside for your hustle, no equity in your career
Most lease-purchase programs at major carriers are predatory traps with claw-backs and impossible payment schedules
You want load choice and rate transparency, not forced dispatch and a "company sets the rate" memo
You want a path from CDL to MC owner without going broke in the transition
// What changes

Here's what driving with TruckersTool Dispatch does about it.

Drive under our authority

Skip the MC/DOT setup, the COI shopping, the trailer purchase, the broker-set-up packets. Run loads on day one under TrucksTool authority.

Earn 1099, not W-2

Every load pays your gross minus our flat dispatch cut. No artificial mileage caps. No "company sets the rate". No surprise deductions. You see every line item.

Path to lease-purchase

After 90 days of clean driving, optional lease-purchase on partner equipment with fair, transparent terms. No claw-backs if you walk. No usury interest rates.

No predatory contracts

Walk away any time with one phone call. Take your CDL, your driving record, and our handshake with you. Zero claw-backs. Zero "training repayment".

// The path

Lease-on vs. lease-purchase vs. W-2 — pros, cons, take-home math.

There are three real ways a CDL driver makes a living. Each fits a different stage. Pick the wrong one and you leave money on the table or take on risk you didn't need.

W-2 company Lease-on (us) Lease-purchase
Pay model Cents-per-mile, flat 1099, % of gross 1099 minus truck payment
Typical weekly take-home $1,500–$2,200 $1,800–$2,800 $1,400–$2,400 (after truck)
Truck cost None — they pay None — drive under our authority $600–$1,200/wk truck payment
Load choice Forced dispatch You see + accept every load Mostly forced dispatch
Walk-away cost None None — one call, no claw-back Often heavy — "training" claw-back
Path to ownership No equity built Optional after 90 days Yes (if you survive)
Best for Brand-new CDL holders Skilled drivers stepping toward MC Drivers committed to a specific carrier

Our lease-on is the path most under-served by the industry: better take-home than W-2, no truck payment, no forced dispatch, no claw-back. After 90 days you can stay lease-on indefinitely or step into lease-purchase on partner equipment with terms we publish in writing.

If you're currently in a predatory lease-purchase, we'll help you walk. The contract is usually less binding than the carrier wants you to believe.

// Pricing

Honest rates. No surprises.

Same transparent pricing every driver sees on the public page. From 8% on dry van up to 12% on box truck — see the full rate card for every equipment type.

See full rate table →

Already running your own MC?

If you have your own authority and equipment, our owner-operator program is the right fit.

Owner-operator dispatch

Ready to drive smarter?

Apply now and a US-based dispatcher will call you within the hour to walk through onboarding. No contract. No setup fee. Just better loads.