Fast, Affordable Financing for Commercial Tow Truck Buyers
If you're searching for a used tow truck loan, you're in the right place. Whether you're replacing an aging unit or adding to your fleet, TruckLenders USA makes it simple to secure affordable financing—no tax returns, no hard credit pull, and approvals in hours, not weeks.
We work exclusively with towing professionals. If you have 650+ credit, 2+ years in business, and around $15,000/month in revenue, we can get you approved and funded—fast.
Purchasing a used tow truck isn’t just more affordable—it’s often the smartest business move. Here’s why vocational buyers choose used:
Lower Monthly Payments – Used trucks cost less upfront and reduce your monthly financing burden.
Faster ROI – Hit breakeven sooner by deploying your truck on existing contracts or new jobs.
Ideal for Growing Fleets – Scale your operation without taking on unnecessary debt.
More Inventory Flexibility – Used trucks are widely available and easier to source privately.
If you're a hands-on operator or cost-conscious fleet buyer, a used tow truck loan gives you the best of both worlds: proven equipment and affordable financing.
We structure used tow truck loans to match how real vocational businesses operate. You don’t need a perfect credit score or a big down payment—we focus on practical underwriting.
We finance:
Dealer or Private Party Purchases – Buy from a lot or directly from the seller
All Tow Types – Flatbeds, wreckers, wheel-lift, rollbacks, integrated units
Loan Amounts – Up to $250,000
Terms – 36 to 72 months
Single or Multiple Trucks – Bundle deals available
Already have a truck picked out? Just send us the listing or invoice—we’ll take care of the rest.
Our used tow truck loan program is built for speed and simplicity. Here’s what we look for:
Credit Score: 650+ FICO
Time in Business: At least 2 years as a legal business entity (LLC, Corp, or Sole Prop)
Monthly Revenue: Around $15,000+ (bank statements accepted)
Basic Info: Business name + EIN, truck invoice or listing link, and contact details
We don’t require tax returns, financials, or hard credit inquiries to prequalify.
When it comes to financing commercial vehicles, experience matters. At TruckLenders USA, we’ve specialized in vocational lending for over 30 years—and we’ve built our used tow truck loan process to remove roadblocks, not add them.
Here’s what makes us different:
Commercial-Only Lender – We understand the unique needs of vocational buyers
Fast-Track Approvals – Many clients prequalify the same day
No Tax Returns Required – Just submit your app and listing—we’ll handle the rest
No Hard Credit Pull to Apply – See your options without impacting your score
Private Seller Friendly – Finance trucks from Craigslist, Facebook Marketplace, or direct referrals
We work for you—not the dealership—so you get better terms, better service, and faster results.
Can I finance a used tow truck from Craigslist or Facebook Marketplace?
Yes. We work with both private sellers and dealers. Just send us the listing or a bill of sale, and we’ll structure the deal.
Do you finance high-mileage used tow trucks?
We evaluate trucks on a case-by-case basis. High mileage isn’t a dealbreaker if the unit is in good working condition and the loan amount makes sense relative to the asset value.
Can I finance multiple used tow trucks at once?
Yes. We offer bundled financing for fleets or multi-truck purchases, subject to credit and cash flow.
Do you finance specialty or older rigs?
Possibly. We finance a wide range of tow types, including integrated and repo units. Age and mileage limits vary—send us your listing and we’ll confirm eligibility.
A used tow truck could start generating revenue in days—not weeks. Don’t let financing delays slow you down. With TruckLenders USA, you get:
Prequalification in 60 seconds
No hard credit pull
No tax returns required
Approvals up to $250K
→ Prequalify for your used tow truck loan in 60 seconds – no hard credit pull
Want to explore all financing options? Visit our full tow truck financing page for additional details.
