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Box Truck Financing

Box Truck Financing

Vehicles are the backbone of any freight business. As an entrepreneur, you know the importance of keeping your fleet in top-tier condition to avoid any unexpected breakdowns, delays, or accidents. You may also be interested in expanding your existing business to reach a wider audience or newer locations. Regardless of your goal, you will require a hefty investment to keep your business thriving. 

Box trucks normally transport dry and non-perishable goods and are highly versatile, expeditious, and cost-effective. The enclosed cargo space protects the items from damage, vandalism, and theft. Moreover, you don’t have to worry about connecting and disconnecting a trailer whenever you need to carry something big or heavy.

Simply load the cargo, shut the truck doors, and head out. Plus, you get additional space for free advertising wherever you go, thanks to the box’s big, white, flat sides. 

Whether you are planning to purchase a box truck for the first time, add more trucks to your fleet, or search for options to finance your truck’s engine overhaul, you need box truck financing. New box trucks can cost anywhere from $25,000 to $90,000, depending on their condition, model, age, and performance. 
Light-duty trucks fall under $25,000 to $45,000, while heavy-duty trucks can go as high as $50,000 to $90,000. Refrigerated box trucks can cost an additional $10,000. Keep in mind that the exact price of the vehicle will differ depending on the location and the dealer. 
To arrange these amounts, most business owners will need to look for box truck financing companies to meet their investment needs. For this reason, it is crucial to make sure you do your research and choose a reputable direct lender to assist you through this process. 

Need Box Truck Financing? National Truck Loans Can Help!

Even if your current business is flourishing, you may not always have the working capital to finance heavy investment or upgrade expenditures. This is where a lending company comes in – National Truck Loans has been in the market for 15 years, providing well-rounded solutions for commercial vehicle financing, including box trucks. 

We are direct lenders, so there is no involvement from third-party intermediaries, making the process quicker and more cost-effective. Moreover, it allows us to stay in touch with our customers from start to finish and guide them through every step. 


It is not easy to arrange box truck finance due to the sheer number of options available. The process is quite taxing, and one wrong move can leave you in a sticky situation. We understand this and therefore do our best to provide you with an experience that is quick, transparent, and carefully catered to your needs. 

Even if you have a poor credit score, you can count on us to still provide you with the best box truck loans. Our criterion is not just limited to credit score, but we also assess other factors such as your payment history, collateral, and general financial profile. Box truck financing bad credit has never been easier as we help startups and small business owners with lower credit scores (C or D) to secure loans seamlessly.

Our Process Is Quick & Easy! Get Pre-Approved Today

Box truck financing is only a few steps away! Get pre-approved today by filling out this simple form. Our team of experts will carefully examine your application and get back to you with the best possible solution. 

If you have any questions about the preapproval process or queries in general, don’t hesitate to call us at 855-562-6875 or drop us an email at One of our customer support representatives will reach out to you promptly. 


While applying for preapproval, it is important to have all your documents ready. These include:

A Detailed Business Plan and other Relevant Documents 

If you are looking to fund a startup, you should prepare a business plan that states your business’s core vision, goals, and features. On the other hand, if you are looking to expand your current business, you will have to provide all the main business documents, such as proof of registration, business licenses, the registration/license number of your box truck, and cash flow statements, a balance sheet, and a profit and loss account for the past 12 months.

Credit Score 

Another key document needed when applying for box truck loans is your credit score. Make sure the score is 680 or above. If the credit score is less than 680, then you should prepare other documents that show the strength of your financial profile, as you will most likely need to put down collateral to be approved for the loan. 

This can include your property documents or your cash flow statement. A credit score aims to help lenders identify bad debts, outstanding loan payments, and other financial factors determining your reliability as a borrower. 



Proof of insurance is compulsory if you want box truck financing. You should get an insurance policy that covers not only the box truck but also its equipment and driver’s compensation to ensure the safety of your workers in case of a lawsuit.

Commercial Driver’s License 


Before applying for a box truck loan, you must show a commercial driver’s license indicating whether your business is operational interstate, intrastate, or in foreign commerce. In general, you should have a CDL that is over three years old. This requirement helps us decide whether a customer is a high-risk or low-risk borrower, determining the applicable interest rate. 


Tax Returns 

A tax document showing a minimum of 12 months’ worth of tax returns provides valuable information regarding your business expenses, revenue, and other operating statements. 

Once you have compiled and sent us the details, our team will determine the best box truck finance solution for you and your company. The documents are reviewed and emailed to you for confirmation. Once you confirm the authenticity of the information provided, we will start processing your documentation and get back to you after it’s complete.

Why Should You Choose National Truck Loans For Box Truck Financing?

There are many reasons to choose National Truck Loans for box truck financing. We have been leading the commercial vehicle financing industry for around 15 years, giving us a solid edge and helping us stand out. 


Our expertise is not just limited to box truck loans but also other types of financing options for different vehicles, including food trucks, commercial trucks, and dump trucks. Whether you need money to buy a new vehicle or upgrade an existing one, we’ve got you covered.


The simplicity and transparency we offer are other reasons why our customers love us. You don’t have to go back and forth to our office since most of our procedures are done online. We also make it a point to guide our customers during each step of the process, so there is no room for confusion and your financing solution is properly in line with your requirements.


Moreover, we overlook a bad credit score and give you a fair chance to apply for box truck finance by taking into account other factors. So, what are you waiting for? Get in touch with us today to expedite your box truck financing process!

Providing Box Truck Financing For Bad Credit, Great Credit, and Everything In-Between

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We will handle your paperwork once we have the signed contract back. Most trades are settled in as little as three days. We can quickly get the truck you need back on the road.


Truck image in Blue background

Chris Cadahia

Great lender without the bureaucracy and gotcha’s from your typical truck finance broker. Really makes a difference when you work with a lender like National Truck Loans that uses their own money to fund loans and know the industry. They’ve been a great financial partner and appreciate the support!

SFL Supply Inc Review

SFL Supply Inc.

National truck loans helped me grow my fleet by several trucks. Very simple, professional and helpful on every step of the way until the end. Recommend to any carrier. Thank you

Juan Insegna Review

Juan Insegna

I had a very good experience. Micheal and Junior helped me a lot, they always answered all my questions and they work very fast. I recommend it.

Good Credit, Bad Credit, No Credit


  • What type of trucks do you finance?
    National Truck Loans is a truck financing company that provides easy truck financing for all types of semi trucks. You can get truck financing for trucks sold either through truck dealers or private sellers. We make truck loans easy no matter the brand of truck you are looking to finance. All brands includes Mack, Peterbilt, Freightliner, Volvo, and even International.
  • Can you finance trucks with bad credit?
    Yes! At National Truck Loans, no matter your credit history, we can help you when other truck finance companies can’t. We have been a truck financing company for many years, so we are familiar with the challenges many faces. If you have bad credit, reach out to us. We can help you; that’s our specialty. We provide finance for trucks with Bad credit, Great credit, and Everything In-between. Our financing program is set to fit your needs.
  • Can I get a truck loan with a tax lien?
    Yes, you can. Even with a tax lien, National Truck Loans can help in truck financing. We are willing to extend credit for you.
  • Do you report to credit agencies?
    When you take a truck loan from us, we report to major credit agencies to rebuild your credit. We have helped many owner-operators to get hold of their credit through our accessible truck financing business.
  • Do you finance anything other than trucks?
    Yes, we do! In addition to commercial trucks, we also finance trailers and engine overhauls!
  • Do you do truck financing for startup trucking companies or new operators?
    Yes, we do. At National Truck Loans, we specialize in truck financing for startup trucking industries and new operators in the trucking business. If you are a new operator and you are in search of trucking finance to help your trucking business, we are here for you. We have all you need to run a smooth business.
  • Do you provide truck financing for higher mileage trucks?
    Yes, we do. We provide truck financing for startup trucking businesses looking to get a truck loan, including for higher mileage trucks. National Truck Loans offers everything you'll need.
  • Is it hard to get a truck loan?
    It is not hard to get a truck loan. Truck financing is more than a good credit score. It would be best if you had a good driving experience and strong revenue generation. If you have a bad credit score history, it is essential to choose trucking finance companies specializing in bad credit loans. We specialize in helping you finance truck expenses and make the most of your business.
  • How does truck finance work?
    Truck financing involves business owners using their trucks as a loan or collateral, which helps to reduce the risk for the lenders. Lenders hold on to the title of your truck until you pay off the truck loan. They may also seize your truck if you do not fulfill your loan obligations. You can find truck financing from traditional banks or truck lending companies. With truck financing, you can start driving your truck with little or no down payment.
  • How long are trucks financed for?
    The average lifespan of a truck loan for a new truck is five years (60 months). It all depends on your down payment. The loan may not exceed three years (36 months) if you buy a secondhand truck.
  • How do I determine my eligibility for a truck loan?
    Various factors determine whether you will get truck financing or not. They include your credit score, years in business, down payment, truck mileage, commercial driver’s license (CDL), tax liens, and truck age. But we at National Truck Loans approve trucking finance for business owners with bad credits, tax liens, or bankruptcy.
  • Can I get access to truck financing without a CDL?
    Yes, you can. Truck financing programs are available for business owners without a CDL. Before applying for a truck loan in a truck finance company, be sure a CDL is not part of the lender’s requirements for financing. Also, the person driving the vehicle may differ from the person paying for the truck. It doesn't matter who is behind the funding as long as a person with a CDL is the driver.
  • Can I finance a truck with bad credit?
    Yes, you can. What some lenders consider bad credit may be satisfactory for another truck lender. This is why it is essential to thoroughly review each lender's eligibility requirements before making your choice.
  • Can I review loan terms and interest rates before getting a loan?
    Of course! When you apply at National Truck Loans, you are free to go through all the details of your loan and ask questions before committing. Our services are fair and transparent.
  • What kind of truck can I buy if I apply for a truck loan?
    When you decide to get truck financing, you can buy any truck of your choice. You can buy yourself a semi-truck, work truck, or commercial truck. There is no limit on what your loan can buy from any truck dealer or buyer. The type of truck your loan can buy depends on the brand, mileage, and features like fuel capacity and engine specifications.
  • How does truck financing benefit my business?
    There are various benefits of using truck financing for your business. Some include flexibility of finances, business growth, and truck ownership.
  • Do I need insurance for truck financing?
    Yes! Before you can get approval for truck financing, you need commercial truck insurance. The insurance you choose depends on what you need to be covered. It would help if you also made sure the insurance costs are what you can afford, together with your loan payments. The most common type of commercial truck insurance are: General liability insurance Non-trucking liability insurance Workers' compensation insurance Primary liability insurance Motor truck cargo insurance Physical damage insurance Bobtail insurance
  • I'm buying a used truck. Does that mean I can't finance it?
    No. The type of truck you are buying doesn’t affect your truck financing. Just like a new truck, a used truck can also be financed. All you have to do is talk to your salesman.
  • What are the things to know before applying for a truck loan?
    There are quite a several things you need to know. You need to ask yourself relevant questions like, Do I want a new or secondhand truck? Can I make a down payment? Will the truck tend to my business needs? Do you understand what truck financing entails? It would be best if you were informed and sure of what your business needs to avoid a bad purchase.
  • What documents do I need to get financing?
    There is no one way to do this. The documents needed for financing vary from one truck financing company to another. But there are primary documents you should prepare: Business License Personal identification Insurance proof Relevant permits CDL Social security number Financial/Tax records Information about the trucks you want to finance. Why do you want to buy them?
  • What is the interest rate on a truck loan?
    No set interest rate. Truck lenders set their rates based on your overall credibility, the type of truck you want, why you want to buy it, and the lender’s requirements. Nothing is fixed, but you can see annual interest between 5% and 50%.
  • How much do I pay as a down payment?
    The standard percentage is 10% of the cost price. But the sales manager will approve a payment that fits your budget for you to enjoy easy truck financing.
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