Question 1

What’s your minimum credit score?

Accepted Answer

Our minimum FICO score is 600. However, lower scores may still be considered with a larger down payment.

Question 2

I’ve never purchased a truck before. Can I still get approved for financing?

Accepted Answer

Yes - we work with first-time buyers every day. Approval depends on credit history, truck year and mileage, and open balances or existing loans. We’ll help you find the best program for your situation.

Question 3

What’s the typical turnaround time?

Accepted Answer

Most applications are processed within 24 – 48 hours after all the documents have been received. Please note, we are open Monday - Friday 9am -6pm and applications received on the weekends will be processed on Monday.

Question 4

What age of trucks do you work with?

Accepted Answer

We typically finance trucks that are 2020 or newer with under 500,000 miles. Exceptions can be considered on a case-by-case basis.

Question 5

Can I buy from a private party?

Accepted Answer

Yes — private-party purchases are accepted, but the truck must pass an inspection before funding.

Question 6

Can I pay off early?

Accepted Answer

Yes

Question 7

Can I buy from multiple dealers?

Accepted Answer

Yes — we can finance trucks purchased from multiple dealerships if they meet our eligibility guidelines.

Question 8

I am a broker/dealership, who do I contact?

Accepted Answer

We welcome partnerships with dealers and brokers. To discuss working together, please complete the form on our Partner with us page located here.

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