Best for: Borrowers with fair credit. Truck Lenders USA has been in business since 1977 and offers financing for all types of trucks that are seven years old or less. Loans start at $15,000.Truck Lenders USA says it can approve applications within hours, but it has tougher requirements than some other direct lenders. For example, you’ll need a minimum credit score of 675 and at least two years in business to qualify.