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Truck Driving by Lake

Semi Truck Financing 

Currently, trucks are used to transport a sizable portion of American goods, and this industry is flourishing. The trucking industry has seen significant growth, with many commodities traveling by road. However, large companies are moving the majority of the load, and smaller trucking company owners have a hard time getting financing for their semi trucks.

Starting your trucking business? National Truck Loans can help you with our semi-truck financing option, serving the entire United States.

At National Truck Loans, we offer to finance semi truck plans for landscape trucks, refrigerated trucks, box trucks, dump trucks, and more. Find both new and used commercial trucks without worrying about finances. 

We work with you to design an approachable and strategic plan for financing semi-trucks. Our team provides speedy services so our clients can get back to work as soon as possible. Don’t wait if you are looking for a reliable financing option for heavy and commercial trucks to take your business to new heights. Get started with us today!

Semi Truck Financing

Semi Truck Financing for People With Bad Credit

Many people struggle to get a loan from a credit union or traditional bank due to poor credit or not having a credit card. Also, due to the nature of the trucking industry, some truckers have issues that disqualify them from traditional lending institutions. These problems have made it challenging for truck owners to expand their businesses. 

National Truck Loans has been considered the best semi-truck loan company for every type of individual looking for support. We provide semi truck loans for bad credit and good credit and semi trucks of any make and model. 

Don’t worry about the financing rate. We have over 15 years of experience in the industry and have helped many truckers get their desired commercial truck. We plan your semi-truck financing so you can easily afford it. We know truck drivers, trucks, and the industry’s unique needs, and we can cater to them. 

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

National Truck Loans is a solution for your entire truck financing problem. We are an experienced semi truck loan company that offers financial support, guidance for the truck purchasing process, and truck sellers. From reefer trucks to box trucks, and from commercial trucks to medium-duty trucks, we offer financing for every type of truck. 

Financing has never been easier! By developing a straightforward financing process for everyone, National Truck Loans has made it easier and more attainable. If you are struggling to find the most reliable trucks on the market or want a way to invest money in the semi truck industry, we are here to help you. 

Our customers need to go through a simple process to get the financing and the truck they desire. Not only this, but we also provide financing for trucks from trusted brands like Hino, Freightliner, Mack, Volvo, International, Kenworth, and more. Our promising services force customers to come back to us every time they need help. Therefore, many of our sales are made by repeat customers. 

Why to opt for Semi-Truck Financing For Your Business?

Here are a few reasons to get semi-truck financing for your transportation business.

  • Owning instead of leasing a vehicle

  • Buying a secondhand or new vehicle

  • Upgrading or repairing the vehicle you own

Financing can help you stay in business even if you don’t have enough investment capital to pay for a truck upfront. However, the terms and conditions of the financing can significantly vary based on your truck loan.

How to Get Semi-Truck Financing With Bad Credit? 

Do you want semi truck financing with bad credit? National Truck Loans can help you. Finding semi truck financing with poor credit is challenging otherwise, but National Truck Loans focuses on the client and collateral, not the credit score.

Gather your details and visit the credit application page. Fill out the form that will need information like the company name, address, and business financial information. Once you complete the application, National Truck Loans will respond to the application on the same day or within a couple of days after assessing the information you provided and approving it.

Financing Semi-Trucks for Owners with Any Credit History

Many operators feel extremely frustrated because of the lengthy and complex traditional loan process. And if you have a poor credit score, finding an organization that can offer a loan with achievable legal terms is impossible. 

National Truck Loans, on the other hand, is an organization that focuses on collateral and experience not credit score. Although we check your credit history, we usually don’t reject owner-operators due to their credit. 

Our skilled and qualified team looks for ways to offer as much support as possible to everyone by planning for approachable financing terms. We ensure that whether you have poor or excellent credit, you have options.v So, whatever your credit is, contact us to learn what we can do for you. 

Does Financing Apply To a Specific Model or Make of Semi Truck

The model, type, and other specifications are usually not a factor in semi truck loans from businesses like National Truck Loans. We offer financing services for every type of trucking model and age to ensure no trucker has to go through the struggle. Our team might ask for information about the truck’s make, but we never refuse your application because you do not have a particular make. 

We have trucks from different brands like Isuzu, Mack, International, Hino, and much more. National Truck Loans offers its services to Orlando, Miami, New York, Chile, Panama, Toronto, South America, Argentina, and many other places. We have customers worldwide who rely on us and always come back to take advantage of our services. 

Providing Semi 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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