Instant Credit Decisions.

without the wait and without the multiple credit inquiries. 

Bad Credit 


  • Box Truck

  • Reefer Trailer

  • Semi - Truck

  • Day Cab Truck

  • Roll Back Truck

  • Flatbed Truck

  • Reefer Box Truck

  • Chassis Truck



  • Straight Truck

  • Dump Truck

  • Garbage Truck

  • Tow Truck

  • Utility Truck

  • Car Carrier Truck

  • Water Truck

  • Service Truck

  • Cabover Truck

  • Landscape Truck

  • Tank Truck

  • Hooklift Truck

  • Logging Truck

  • Conventional Truck

  • Grain Trucks

  • Stake Truck



  • Fuel Truck

  • Bucket Truck

  • Septic Truck

  • Craine Truck

  • Chipper Truck

  • Vacuum Truck

  • Sweeper Truck

  • Recycling Truck


  • Flatbed Truck

  • Blow Truck

  • LPG Truck

  • Farm Truck

  • Moving Truck

  • Medium-Duty Trucks

  • Asphalt Truck

  • Other Trucks


  • EFAs & Leases up to $45K

  • Terms can range from 12-48 months

  • Additional Collateral is NOT required

  • Most transactions fund within 3 business days

  • Other fees such as; taxes, warranty, etc may be financed


  • App only submissions up to $45K

  • Minimum 25% down payment (trade-in OK)

  • 2008 or newer class 6 trucks (200,000 miles or less)

  • 2008 or newer class 8 tractors (750,000 miles or less)

  • Choose the truck or reefer trailer from any dealer of choice

Secure The Funds

Payment Options

Class 6 & Class 8 Trucks (14,001–26,000 lb)

Financing Guidelines Overview


All approvals are subject to additional conditions you must provide or meet to the satisfaction of the Underwriter. Since we do not request your social security number in the beginning stages of this process to review your credit profile, you agree to provide the information we request above in "good faith" and all information given to us are done honestly; without a deliberate intention to defraud the other party. The conditional approval will stand unless you fail to meet the stipulations the lender lays out. Our credit department will not be able to appropriately process your file if you fail to meet any of the conditions set forth. You may also face a denial if the lender is unable to verify any further data you've provided such as; employment, financials or do not meet their credit criteria. If you take too long to provide the documentation or other information requested, any changes in your income or credit history that have occurred in the meantime will be taken into account.




This program is for first-time buyers and borrowers with troubled credit with past bankruptcies (Derogatory credit history, & Foreclosures) there is no minimum FICO required. However, child support collections, repos/charge-offs, current/dismissed bankruptcy and open tax liens over $10K will not be considered. You must have a valid CDL or a driver with a valid CDL will need to be added as an additional guarantor.  Please keep in mind, that the dealer must pass a vetting process in order to proceed with the finalization of the transaction (private seller are not accepted)  Down payments are paid to the dealership in certified funds (cashier's check or wire transfer) and the remaining balance owed, will be wired into the seller's business account. Also, GPS devices will be installed by a third party company prior to funding.   




Many times the credit strength of an applicant can be enhanced with a spousal, parental or blood relative guaranty. We evaluate this potential additional guarantor on a case-by-case basis. Discharged bankruptcy will be considered in instances when any guarantor has a firmly re-established credit history demonstrating depth and timeliness of payments. For applicants with less than 6 months since the bankruptcy.