Financing
We finance the trucks we sell. One application, and we do the legwork.
Almost nobody pays cash for a truck. You finance it, put it to work, and it pays for itself. That is how this business runs.
We handle the financing here rather than sending you off to a bank on your own. Fill out one application and we take it from there.
Ready to go?
Applying will not touch your credit score.
The online form runs in your browser. Nothing reaches us until you hand us the PDF yourself.
One application, several lenders
We send your file to more than one lender. More than one shot at a yes, and more than one set of terms to compare.
Owner-operators welcome
You do not need a fleet. We put first-time buyers and single-truck operators into trucks regularly, and rough credit is not automatically a no.
Terms built around your route
Down payment, term, monthly payment — all of it moves. Tell us what you are hauling and what you clear, and we work backward from that.
How it goes
Fill out the application
Do it online or print it and bring it in. Fifteen minutes if your paperwork is handy.
We shop it
We package the file and send it to the lenders most likely to say yes to it.
Look at the terms
When an approval comes back we walk you through the down payment, the term, and the monthly number. You will know exactly what you are signing.
Take the truck
Sign, insure it, drive it out. Title and lien paperwork is on us.
What to bring
Having this ready is the single biggest thing that speeds up an approval.
- ✓Filled-out credit application
- ✓CDL for everyone signing
- ✓MC number, DOT number, Federal Tax ID
- ✓Last three to six months of bank statements
- ✓Insurance, or a quote from your agent
- ✓Your lease or dispatch agreement, if you run under someone else's authority
Questions we get
What credit score do I need?+
There is no magic number. Time in business, down payment, the age and miles on the truck, and who you haul for all count too. If your credit is beat up, a bigger down payment is usually what closes the gap. Call us and we will tell you honestly where you stand.
How much do I need down?+
Depends on your credit and the truck. Strong file, not much. Rough file, more. Call us with your situation and we will give you a real number instead of a range that means nothing.
How long until I know?+
A complete application with the bank statements attached moves fast. What drags it out is missing paperwork. Get us everything at once and you will hear back quickly.
Can I get financed as a first-time buyer?+
Yes. Expect the lender to want more down and a clear picture of who you will be hauling for, because you do not have an operating history yet. That is normal, not a rejection.
I have a repo. Or a bankruptcy.+
Not automatically a dealbreaker. What matters is how long ago, whether it is discharged, and what your money looks like today. Put it on the application. The lender will find it anyway, and volunteering it works in your favor.
Will you finance a truck I bought somewhere else?+
Call and ask.
Is my information safe on the online application?+
The form runs in your browser. Nothing you type reaches our servers — the PDF is built on your own computer. Close the page and it is gone. You hand us the finished document yourself.
Not sure about something? Call (346) 597-5010 or email finance@yourtrucksales.com
Financing subject to credit approval. Rates and terms vary by applicant and lender. Nothing on this page is an offer to lend.