Fast & EasyTruck Loan
Stronger Credit
15%-20%
Down Payment
680 Minimum Credit Score
Put your stronger credit to work with a lower down payment option.
Explore Fast & Easy
Commercial Truck Financing
Three Ways To Finance Your Next Truck
Strong credit, credit challenges, or a new business. Find the truck loan program that fits your next move.
Pick Your Path To Truck Ownership
Compare down payments and credit requirements below.
Ready To GoTruck Loan
Credit Challenges
30%
Down Payment
No Minimum Credit Score
Bad credit doesn't have to end your truck search.
Explore Ready To GoNewbieTruck Loan
New Business Owners
40%
Down Payment
No Minimum Credit Score
Starting your trucking business? Explore financing for your first truck.
Explore NewbieAll programs are subject to review and approval. Additional requirements apply.
Not Sure Which Program Fits?
Tell us about your credit, your business, and the truck you want. We'll help you understand your options.
Your Truck Loan Questions, Answered
What credit score do I need?
It depends on the program. The Fast & Easy Truck Loan requires a 680 minimum credit score. The Ready To Go and Newbie Truck Loans have no minimum credit score. All programs require no bankruptcy or repossession in the last 5 years.
How much do I need for a down payment?
Fast & Easy is 15%-20% down for stronger credit. Ready To Go is 30% down for credit challenged buyers. Newbie is 40% down for new business owners. The down payment is a percentage of the truck purchase price.
Can I finance a truck for a new business?
Yes. The Newbie Truck Loan is built for new business owners. It is 40% down with no minimum credit score, and you need 2 years of industry experience. The truck must be purchased from a licensed dealer.