Truck Financing Lender Directory

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Banks

Traditional banks often offer competitive rates for borrowers with strong credit and established businesses.

National Commercial Bank

Traditional Bank

Major national bank with dedicated commercial vehicle financing department. Strong options for established businesses with good credit.

Credit Score 680+ 2+ Years in Business Rates from 5.9% Terms up to 84 months
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Regional Business Bank

Regional Bank

Regional bank with strong presence in trucking corridors. Known for personalized service and flexible terms.

Credit Score 650+ 1+ Year in Business Rates from 6.5% Terms up to 72 months
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Commercial Fleet Bank

Specialty Bank

Bank specializing exclusively in commercial vehicle financing. Expert underwriting for trucking industry.

Credit Score 620+ New Business Friendly Rates from 7.0% Terms up to 84 months
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Credit Unions

Credit unions often offer lower rates and more flexible terms, especially for members with existing relationships.

Truckers Federal Credit Union

Industry Credit Union

Credit union exclusively serving trucking professionals. Member-owned with profit-sharing benefits.

Credit Score 600+ Open to All Truckers Rates from 5.5% Terms up to 72 months
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National Commercial Vehicle CU

Specialty Credit Union

Large credit union with dedicated commercial vehicle division. Competitive rates and excellent member service.

Credit Score 620+ Membership Required Rates from 5.9% Terms up to 84 months
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Online Lenders

Online lenders offer fast approval processes and often work with a wider range of credit profiles.

QuickTruck Finance

Online Lender

Fast online approval process with same-day decisions. Works with all credit types including startups.

All Credit Welcome Same-Day Decisions Rates from 7.9% Terms up to 72 months
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Commercial Truck Capital

Online Lender

Specializes in semi-truck financing with flexible programs for owner-operators and fleet owners.

Credit Score 550+ First-Time Buyers OK Rates from 8.5% Terms up to 60 months
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FleetFund Online

Online Lender

Technology-driven lender with streamlined application process. Specializes in fleet financing.

Credit Score 600+ Fleet Discounts Rates from 6.9% Terms up to 84 months
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TruckLoan Express

Online Lender

Nationwide online lender focusing on commercial vehicles. Known for working with challenging credit situations.

Bad Credit OK No Time in Business Min Rates from 9.9% Terms up to 60 months
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Dealer Financing

Dealership financing can be convenient but always compare rates with other sources.

Major Truck Manufacturer Finance

Captive Finance

Manufacturer's financing arm often offers promotional rates on new trucks and certified pre-owned inventory.

Credit Score 650+ Promo Rates Available Rates from 4.9%* Terms up to 84 months
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Dealership Partner Network

Dealer Network

Network of truck dealerships with in-house financing options. May offer bundled deals with service packages.

Credit Score 600+ Bundle Deals Rates from 7.5% Terms up to 72 months
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Tips for Comparing Lenders

Look Beyond the Interest Rate

Compare APR (which includes fees), not just interest rate. Also consider origination fees, prepayment penalties, and other costs.

Get Multiple Quotes

Apply to multiple lenders within a short time frame. Credit inquiries for the same purpose within 14-45 days typically count as one inquiry.

Read the Fine Print

Understand all terms including late payment policies, insurance requirements, and what happens if you want to sell or trade the truck.

Consider Your Relationship

Existing relationships with banks or credit unions may qualify you for better rates or easier approval.

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