Question 1

Do you really work with all credit profiles?

Accepted Answer

Yes. As a direct in-house lender, we underwrite based on the whole picture - your CDL experience, time in the industry, freight lanes, and business potential - not just a FICO score. We routinely fund first-time buyers, drivers rebuilding credit, and established fleet owners.

Question 2

Will pre-qualifying hurt my credit score?

Accepted Answer

No. Our pre-qualification uses a soft credit pull, which has zero impact on your credit score. A hard inquiry is only made after you review your offer and choose to move forward with a full application.

Question 3

How fast can I get approved?

Accepted Answer

Most complete applications receive a decision within 24 hours during business days. Pre-qualification takes about 5 minutes. Once approved, funding and document signing are typically completed in 1 to 3 business days so you can pick up your truck quickly.

Question 4

What documents do I need to apply?

Accepted Answer

For pre-qualification: just basic contact and business info. For full approval we typically request your CDL, 3 months of business bank statements, and a copy of the truck listing or buyer's order. Additional docs may be requested based on program.

Question 5

How does Lease-to-Own work?

Accepted Answer

Lease-to-Own lets you operate the truck under a lease while building ownership equity with each payment. At the end of the term, the truck is yours - no surprise balloon payment on our flagship plans. It is ideal for drivers who want lower upfront costs and a clear path to title.

Question 6

What down payment is required?

Accepted Answer

Down payments typically range from 10% to 20% of the equipment price depending on credit strength, equipment age, and program. Our Lease-to-Own program is structured for low down payments to keep you working.

Question 7

Are there prepayment penalties?

Accepted Answer

No prepayment penalties on our flagship in-house programs. Pay off early, refinance, or trade up whenever it makes sense for your business.

Question 8

What equipment can I finance?

Accepted Answer

Class 8 sleepers and day cabs, dry vans, reefers, flatbeds, and most commercial trailers. We finance trucks purchased from dealers, auctions, and private sellers nationwide.

Frequently Asked Questions

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