Trucks We Finance

Sleeper Truck Financing

Sleeper trucks are for operators running over the road under their own authority or leased to a carrier. This category prices across the whole purchase price window, from a modest used day cab up to a later model Class 8 sleeper, so the cash needed at closing varies widely from one truck to the next. Every unit we finance comes from a licensed dealer.

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Sleeper Truck Financing At A Glance

Typical purchase price: $40,000 to $145,000
Class: Class 8 tractors
CDL required: Yes, Class A
Day cabs: Financed
Purchase price financed: $21,000 to $145,000
Down payment: Typically 30% of the purchase price
Minimum credit score: None
Credit specialty: Credit challenged buyers welcome, with no minimum credit score
Where you can buy: Licensed dealer purchases only
Approval timing: Same day approvals may be available

Every application is reviewed on its own facts. Credit is reviewed, but it is not the deciding factor. Low scores, collections, charge-offs and late payments are workable. No bankruptcy or repossession within the last 5 years.

Sleeper Trucks We Finance

Class 8 sleeper cab tractors
Freightliner Cascadia, Peterbilt, Kenworth, Volvo and International units
Mid-roof and raised-roof sleepers
Day cab tractors for regional and drayage work
Used units from a licensed dealer inventory

What Operators Use Them For

Over the road long haul freight
Regional and dedicated lane running
Leased-on operation with a motor carrier
Owner operator authority with a dry van or reefer trailer
Drayage and port work with a day cab

What Matters On A Sleeper Truck Deal

The lender reviews the specific truck as part of the transaction, including year, make and model, mileage, truck type and specifications.

This category prices across the whole $21,000 to $145,000 range, so the cash at closing varies. An established business is typically 30% down and a startup is typically 40% down with 2 years of industry experience.

The truck must be purchased from a licensed dealer and there is no minimum credit score. The over the road, regional, leased on and owner operator examples on this page are educational context only, not HMTL underwriting requirements.