FREQUENTLY ASKED QUESTIONS

Is this a lease or loan?

Our contracts are retail installment contracts which means that you are the titled owner of the truck and we are the lienholder.  It is a purchase agreement.

What if I don’t know my credit score?

You don’t need to know your score to apply with us – and there is no fee for completing an application!  We have only a few automatic decline policies but they are important ones.  If you have had: delinquent child support, federal tax liens, an auto or truck repo or voluntary surrender we cannot provide a program for you.  There may be other reasons an application may be declined but these will be dependent upon the applicant’s personal credit history.

How long will it take to get approved?

It usually takes just a few hours to get an approval as long as we can get the information that we need from you.  If pre-qualification is all you need, that can usually be done within minutes.

What are your rates and down payment requirements?

Each deal is constructed differently and depends on the applicant’s personal credit, truck or trailer value and term of the deal.  A good guideline for down payment is approximately 10%.