Estimate your payment below or on any listing, then tell us about your deal and we'll follow up with financing options. Owner-operators and small fleets welcome.
2-minute application · no credit check to start.
Use the calculator to see a monthly ballpark for any price, term and structure.
Tell us about the deal — we follow up with financing options.
Approved buyers arrange pickup or delivery.
Model any truck or trailer — loan, lease, or balloon. Estimate only.
Trucking loans typically land ~7–18% by credit & lender.
A lump sum left at the end — lowers your monthly (lease-style).
Estimate only — not a financing offer. The default rate is an assumption, not a quote; exact rate & term come from a lender.
Most deals come down to one of a few structures. Here's the plain-English version so you know what a lender is offering before you sign.
You borrow, pay a fixed monthly, and own the truck outright at the end (clear title, $0 or nominal final payment). Best for keeping it long-term and building equity.
Structured like a lease, but you own it for $1 at the end. Behaves like a loan, sometimes easier to approve, and may have different tax treatment.
Lower monthly payments because a residual (often ~10–20%) is left at the end — then you buy it out, refinance, or trade up. Good if you upgrade every few years or want to keep cash free.
A loan with a lump sum pushed to the end — lower payments now, a bigger one later. Try it with the “Balloon / residual” slider above.
General information, not financial advice or an offer of credit. Actual rates and terms vary by lender and your situation — exact numbers come from a lender.
Different files fit different lenders. Here's the landscape, so you know where a deal like yours usually lands.
Lowest rates — best for established businesses with strong credit.
Fast, flexible, trucking-savvy — the workhorse of equipment finance.
Built for new MC/authority and rebuilding credit — approves where banks won't.
For tougher files — higher rates, but gets the deal done.