Spec Sheet

Spec Sheet

In today's economic environment, you may not be able to get financing from your local bank, no matter how good your credit score is. Banks all over the country are cutting back on lending. To make matters worse, the ones still open for business are demanding more paperwork and a higher down payment. This guide will help you get an overall view on what your options are.

The first place you should look for semi truck loan is your local bank. You have built a relationship with them over the years and you know the guy sitting behind the desk. Make sure to tell him how long you've been banking there and that you are a long term customer.

You will need on average 20% down on the truck. They will generally require a high credit score in the 700 range and 2-3 years of tax returns. They will have your bank statements on file so no need to worry about that. You will also need to give them a specification sheet on the truck you're buying. The bank will want proof of insurance as well. Depending on the factors mentioned above you should get a good rate. So now you have one offer for financing, move on the next source.

If you are unable to get a loan at the bank, or just want to compare quotes, I would find a good online lender. Some of the brand name institutions provide semi truck financing but don't discount the smaller lenders ether. You can find a solid list by typing in "semi truck financing" on a search engine. This should give you some reputable names to choose from. Most of these lenders will claim application only programs but these are becoming hard to find in today's finance world. Having 10-20 percent down is needed also. You will need a credit score of about 650 and 2 years experience on the road to get a good quote. Depending on the lender you may need to provide additional paperwork as you would need for your local bank. Most lending companies will only need an application and a spec sheet to get an approval on the table. The rest can come later. Most lenders can get you approved in a day or 2 once you have sent in all the documents.

Finally, make sure you understand the terms of your loan. I know it can be a lot of paper work but this is your business and it's your responsibility as an Owner Operator to understand your loan and to make sure you can be profitable. You don't want to be caught with a crappy loan and have to refinance it later. Be very careful when you get a "specialized" loan program that it makes sense to your needs. If you have a lease purchase loan make sure you have a one dollar buyout or 10% buyout clause at the end of the term. Don't be pushed into a decision, as this is your business and your truck purchase. The lender is only there to offer the service, just like the dealership.

Liam Ross has over five years experience in the Semi truck financing and leasing industry. He has consulted in the past for companies such as Lehman Brothers, Prudential Leasing, and Resource Diversified Services.

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