Looking for fast, affordable used truck financing? TruckLenders USA helps business owners secure low-rate funding for commercial trucks—without the bank red tape.
We work exclusively with business buyers who meet these basic criteria:
Credit score of 650 or higher
Two or more years in business
Looking to finance a used Class 3–8 commercial truck
Whether you're replacing an older unit, expanding your fleet, or buying from a private seller, we tailor our used truck loans to your business needs—not just your credit score.
We regularly fund:
Vocational fleet owners (dump trucks, tow trucks, box trucks, etc.)
Owner-operators buying used trucks
Service and delivery businesses
Local construction, HVAC, plumbing, and landscape companies
If the banks said no—or you just want a smarter, faster deal—we’re your team.
We offer flexible used truck financing programs to match your goals and your cash flow:
Term Loans: 24–72 months, competitive fixed rates
Low Down Payment Options: Starting as low as 10%
Private Party Sales: Finance used trucks from dealers or individuals
Deferred Start Programs: Delay payments until revenue kicks in
Pre-approvals Before You Shop: Lock in your financing early
We also support custom schedules, seasonal payments, and creative structures—just ask what’s available based on your state, credit, and business type.
Check out our Truck Loan Requirements to see exactly what lenders look for.
We only submit files we know will get approved. Here's what most lenders need:
650+ credit score (business owner or guarantor)
2+ years in business (LLC, Corp, or Sole Prop)
3 months business bank statements
Equipment invoice or online listing
Driver’s license + voided check
Not sure if you meet the down payment expectations? Use our Truck Loan Down Payment Guide to prepare.
Used trucks are a smart way to reduce upfront costs and still get the job done—but lenders treat them differently than new units.
Used Truck Loan Highlights:
Trucks up to 10 years old financed
Dealer or private seller accepted
Quick approvals with the right paperwork
Slightly higher rates but lower total cost
Want to compare new vs. used monthly payments? We'll run the numbers for you—no pressure, no credit impact.
With 30+ years in vocational truck lending, we’ve helped thousands of businesses across the U.S. secure reliable equipment financing. Here's why smart buyers trust us:
100% Financing Options – No massive down payments required
Lightning Fast Approvals – Decisions in 24 hours or less
Flexible Structures – Adjust to your business cash flow
Nationwide Programs – We fund deals across all 50 states
Expert Loan Officers – We understand trucks and your trade
Buying a box truck? Explore our Box Truck Financing page for more targeted solutions.
How much do I need for a down payment?
With strong credit, you may qualify for 10–15% down. Some buyers can go lower with collateral or homeownership.
Can I finance a used truck from a private seller?
Yes—we handle both dealer and private party sales.
How long does it take to get approved?
Most deals are pre-approved the same day. Full funding can happen within 1–3 business days.
Do I need a CDL to qualify?
Not necessarily. Non-CDL commercial vehicles are financeable if your business and credit meet the criteria.
Can I apply before I find a truck?
Absolutely. Get pre-approved now so you're ready to act when the right unit comes along.
Stop wasting time with banks that don’t get vocational deals. Whether you're buying one truck or adding to a fleet, TruckLenders USA gets deals done for business owners like you.
Apply Now — we’ll handle the rest.
