Truck Credit Criteria

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Truck Credit Criteria


Closer Look Program
      Credit Criteria for Trucks & Trailers


Owner-Operator Truck Financing Guidelines:

        Up to $55,000 funded

        No Minimum Credit Score

        Finance truck and equipment for 24-36 months

        Extended Warranty can be included in the financing

        You own the equipment/truck once the final payment is received.

        No mileage fees

        Up to 25% down payment required as additional collateral, or other vehicles, equipment or real estate

        2014 or Newer Tractors, Trailers/Reefers

        Class 8 Tractors < 700K miles

        Class 6 Tractors < 250K miles

        New CDL Owners are OK / Non-CDL Owners Considered 

Owner-Operator Truck Financing Notes Additional Make, Model & Age Guidelines


CLASS 6-7 MEDIUM DUTY TRUCKS: Must be 2014 or newer with less than 250,000 miles.

Maxxforce 7 & 9 (Medium Duty) Engines are not eligible


CLASS 8 TRUCKS: Must be 2013 models or newer with less than 700,000 miles.

All 2014 and older trucks with Maxxforce 13 and N13 engines (not eligible)
Mercedes Benz engines (not eligible)
Cat-13 engines (not eligible) 

REEFERS: The refrigeration engine must be 2014 or newer with less than 15,000 hours.

ALL OTHER TRAILERS [Dry Van, Flatbed, Step Deck, Car Hauler]: must be 2013 or newer. These trailers may require free and clear title to the pulling unit as additional collateral, although exceptions may apply on a case by case basis.


Owner-Operator Truck Financing Non-Approvable

         Voluntary Surrender

        Child Support Delinquency

        Current or Dismissed Bankruptcy (Discharged Bankruptcy is acceptable)

        Open Tax Liens $10k & above

        Automobile charge-off or reposession

        Private Party sales

        Rebuilt, rebranded or salvaged titles

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