Accepted Payment Methods
- Personal or Business Check (Our preferred method)
- Cashier’s Check
- Bank Wire or ACH
- Cash (Please note: Per federal law, cash payments over $10,000 require us to file IRS Form 8300.)
- Drafting instructions from your bank or credit union
Financing your Commercial Truck
We understand that commercial vehicle financing can be frustrating. While it’s often easier to get credit for a $75,000 personal pickup than a $20,000 work truck, we are here to help you navigate the process.
Our Recommendation
We recommend checking with your bank or credit union first, since they often offer the best rates. Not all lenders finance box trucks, cargo vans, or larger commercial trucks, so check that the truck you’re considering qualifies.
Partner Lenders
While we do not offer in-house financing, we work with several excellent finance and leasing companies. We do not collect points or commissions from lenders we refer you to. Our only goal is to get you into a truck that makes sense for your business. You’ll work directly with your lender on the application, approval, and loan terms.
Most commercial lenders require at least two years in your industry, and established business credit. We do have lenders that work with start-ups, though those rates are generally higher and require a larger down payment.
Before You Apply
Please speak with Brad or Dewley before submitting a credit application. We’ll confirm the truck is available and discuss whether the lender may be a good fit for your situation.
We’ve worked with First Citizens Bank for years and have found them easy to work with, with competitive rates for commercial trucks and equipment. In our experience, their program is generally a good fit for companies with at least two years in business and good credit. It’s usually not the best option for start-ups or customers rebuilding their credit. If First Citizens isn’t the right fit, we can refer you to other lenders we’ve worked with that may be a better option for your situation.
After speaking with us, you can use the link below to apply directly with First Citizens.
