Financing

Get the financial flexibility and support you need

Cat Card Cat Credits Cat Vantage Rewards

We make it easy to protect your equipment, improve cash-flow, and to pay for new equipment, service, parts, attachments, rebuilds, and repairs. With Cat® Card, you get the flexibility and support you need.

EQUIPMENT LIFECYCLE SERVICES

Equipment financing
Working capital loans
Lines of credit
Extended protection
Customer Value Agreements

TAILORED SOLUTIONS

Loans to all types of businesses
Our people are experts around Cat industries and equipment
We recognize seasonal shifts can affect your finances

FLEXIBLE SUPPORT

Quick and easy application and approval process
Select, finance and protect equipment in one place
Special financing on equipment, parts and services

RELIABLE
LONG-TERM RELATIONSHIP

Relationship-focused support
Supporting you through success and struggles

CAT^® CARD

The Cat^® Card is a flexible, revolving line of credit that can be used for Cat equipment needs when you don’t have cash on hand. It’s a commercial account that empowers you to buy what you need now, make low monthly payments, and then pay in full when your finances allow.

Apply Online Today

SAVE WITH CAT^® CREDITS

You will earn Cat Vantage Points on all qualifying Cat Card purchases. Points are issued to you as Cat Credits that provide an immediate discount you can use to pay for qualifying purchases.

EARN POINTS

Toromont-Cat-Save-With-Cat-Credits-Phone

The most common way to get Cat Credits is through special promotions. Caterpillar, Toromont Cat, Cat Financial, Parts.cat.com or Cat^® Central may offer Cat Credits as part of a special offer or incentive.

Cat Credits are delivered as an emailed certificate from Cat Financial, after you participate in a promotional program or redeem Cat Vantage Points.

REDEEM CREDITS

You can redeem Cat Credits over the counter at your Toromont Cat branch. Just print the certificate you receive by email and bring it with you — or show your certificate on your phone.

You can also choose Cat Credits as your payment method on Parts.cat.com and Cat Central. Simply enter the certificate number to redeem your credits when you check out online, or in the app.

SAVE

Whatever you need to get the job done and grow your business, chances are you can use Cat Credits to help pay for it. That includes:

Parts
Services
Repairs & rebuilds

CAT^® VANTAGE REWARDS

Cat Vantage Rewards is a program included with Cat Card that provides Cat Vantage Points on all qualifying Cat Card purchases for eligible account holders.

Rewards are earned and may, in most cases, be used for the purchase of Cat parts, service or rentals at your dealer or on Parts.cat.com and Cat Central. Cat Vantage Points are issued as Cat^® Credits.

If you spend $ 2,500 on your Cat Card when purchasing parts at your Toromont Cat branch, you earn 25 Reward Points.

If you spend $ 1,500 on your Cat Card when purchasing parts at your Toromont Cat branch, you earn 15 Reward Points.

One place, one program

Earn 3% Cat Vantage Reward Points on Parts.cat.com and Cat Central

(first $5K spent per year)

Plus: Earn 1% Cat Vantage Reward Points on qualifying Cat Card purchases.

START EARNING

Join the Cat Vantage Rewards program by registering and linking your Toromont Cat store to your Parts.cat.com account.

Create your Parts.cat.com Account

ACCESS YOUR REWARDS

Login to view your rewards

Need help? Contact us.

CALL US
1-877-373-9510

EMAIL US
catcard.customerservice@cat.com

Credit Approvals / Requests:
catcard.creditdepartment@cat.com

*Offer valid from January 1, 2025 until December 31, 2025. Financing is subject to credit approval for customers who qualify through Cat Financial. Not all buyers will qualify. Offer subject to change without prior notice. Additional terms and conditions may apply. A $500 minimum purchase invoice is required unless otherwise stated. Rental transactions do not count toward minimum. Offer does not apply to Purchases subject to invoice billing (see your Cat Card agreement for invoice billing terms).

All Cat Vantage Points accrue based on local currency spend. Companies can earn up to 150 reward points per calendar year. See Cat Vantage Rewards terms and conditions for additional details. See Cat Card with Cat Vantage Rewards Terms & Conditions for more details, including eligibility and limitations.

Toromont Cat has joined forces with Cat Financial to offer you flexible financing options for acquiring equipment, parts, services, and technology, when you need it.

The Cat Card is a charge account that customers can use to pay for parts, service, and rentals at any Toromont Cat branch.

Both rental and individual, owner-operators customers will enjoy the convenience of one detailed statement and one account, no matter where the Caterpillar products are purchased.

Use your Cat Card to

Buy parts

Pay for a repair or rebuild

Purchase engines, work tools and attachments

Rent equipment at the Cat® Rental Store

Add extended protection or a Customer Value Agreement

PUT IT ON YOUR CAT® CARD:
PARTS, SERVICE, REBUILDS AND MORE

Need a way to pay for parts, services, rentals, attachments and more wherever the job takes you? Use the Cat Card just like a credit card at participating Cat dealers and Cat Rental Stores. It's fast, convenient and flexible.

One Nationwide Account
Maximize Cash Flow Potential
Best-in-Class Interest Rates
Special Financing Options
Instant Access to Online Account Information, 24/7
Quick Turnaround on Credit Limit Increases
Manage Projects with Sub-Accounts
One-time Credit Approval
No Hidden Fees (no annual/monthly fees)
Security
Add Additional Account Users
Choose the Due Date

Ready to apply?

Start the Cat Card credit application today. It takes only 5-7 minutes to apply.

APPLY NOW
Print Application (PDF)

CAT CARD WITH CAT® VANTAGE REWARDS

Cat Card with Cat® Vantage Reward, is an inclusive program that grants Cat Vantage Points to eligible account holders for all qualifying Cat Card purchases.

These rewards, typically applicable for the acquisition of Cat parts, services, work tools, or rentals, can be utilized at Toromont Cat and Parts.cat.com. Cat Vantage Points are provided in the form of Cat® Credits.

Earn 1% Rewards

With the Cat Card, the more you spend, the more you earn. It’s simple:

Shop: Pay with your Cat Card and earn 1% rewards on every qualifying purchase*.

Redeem: Receive Cat Vantage Rewards that are redeemable as Cat Credits and sent to you by email.

Save: Put your Cat Prepaid Credit toward your next purchase at your local Toromont Cat branch or Parts.cat.com.

See applicable rules

Simplified Parts Shopping

There’s no faster way to earn 1% rewards than using your Cat Card on Parts.cat.com. You can shop for parts and attachments anytime, anywhere, with any device — then get delivery right to your door or pick up your purchase at your local dealer.

Set your Cat Card as your preferred payment option to save time and hassle on every online order.

Unlock Special Offers