Lending institutions are making it harder and harder for individuals and companies to get leasing or financing for used trucks (tractors) and trailers. Most of the lending companies today do not want to handle the financing of older models or owner operators. US Financial Group can arrange the financing for almost any truck or trailer, regardless of age, and we can also secure the financing for owner operators.

We are experienced with titled vehicles and know their current values. That's why we are able to arrange leasing and financing so quickly. It is our goal to make it as easy as possible for the buyer, by offering flexible terms and a low down payment. Simply let us know how much of a down payment you have available and the amount of the monthly payments you can afford. If there is any way possible, we'll take it from there and try to make it happen for you. Our expert staff is standing by to serve your every need.

Although we prefer to finance established businesses and owner-operators, we can help first time buyers providing they are experienced and have a clean credit record. We can also help some businesses with damaged credit. With today's market being tougher than ever before, our company has been bombarded with inquiries into our programs. Please look over our latest programs and see if you can qualify before inquiring.

For companies that own a fleet of trucks, US Financial Group offers some of the most competitive programs available. Depending on the credit and the type of business, we may be able to provide your company with the following:

    •  Zero down programs
    •  Custom made payment schedules
    •  Rates as low as 7.5% on used trucks
    •  TRAC rates as low as 6.9% and adjustable rates may be less

Like most financial institutions, US Financial Group prefers local trucking to long haul. Depending on the credit and the type of business, we may be able to provide your company with the following:

    •  As little as 1 payment to start
    •  Available programs from $5,000
    •  No financials needed up to $100,000
    •  24-36 month financing on trucks 15 years old
    •  60 month financing is possible on used trucks and trailers
    •  A tailored-made lease or finance program to meet your specific needs

Long haul trucking has become one of the most turbulent industries in finance history. While most companies have totally gotten out of this market, US Financial Group has remained committed to the industry that has put us on the map. While limited, we may be able to provide your company with the following:

    •  Rates between 9.5% and 11.5% for new trucks and trailers
    •  Rates between 12.9% and 14.9% for used trucks and trailers
    •  Low down payments with a good credit history
    •  We generally advance 90-100% of the NADA retail amount on trucks and trailers

The long haul program requires operators to have clean credit, at least 2 years time in business (unless you are replacing a truck and you have excellent credit), a comparable borrowing business reference and home ownership. If you are needing to finance a trailer, you may find some flexibility with the above requirements.

There are very few companies still willing to do a first time owner-operator or an individual with less than perfect credit, but once again, US Financial Group is here to serve you. Although our program is more suited for used trucks, you can still find a reliable truck due to the excellent deals available. To qualify for this program, you will need the following:

    •  Clean credit history (650+ score)
    •  Must be a home owner
    •  A down payment of 5-15%
    •  Verifiable current and/or future hauling references dating back 2 years

The following may be required if your credit is marginable:

    •  A personal financial statement
    •  Your checking account must have a balance of $3,000+
    •  A copy of your 2001 tax return
       If not available, you will need your 2000 Tax Return and your W-2/1099 for 2001

Please Note: Owner-Operators with an established truck reference may be allowed a few previous late payments.

If you are a local company, such as a dump or asphalt hauler or you need a truck, trailer or van for your construction or office supply company, we may be able to be a little more flexible compared to the above program. We may be able to overlook some previous late payments for established companies, as long as none of the late payments occurred during the last 12 months. If this sound like you, click here to review or fill out our 1 page application.

Some specialty trucks and equipment have a good resale value and also tend to have less probability of default. Therefore, we can do start-ups and some questionable credit if you are looking for $30,000 or more. The type of equipment that falls into this category is as follows:

    •  Dump trucks
    •  Drop deck and tank trailers
    •  Drilling equipment, cranes, airlifts and wheel loaders
    •  Utility, bucket, pump sewer, boom, crane, concrete mixer, fuel delivery and propane trucks

While the above programs are good to see what program that you fall under, you will find that we can be more aggressive with trailers than trucks. It's possible to get a new business up to $15,000 on a trailer without any financial information and up to $25,000 with only 1 year time in business. If you have an established company or you are providing additional financial information, we can generally provide even more. We may also be able to secure financing even though there might be a previous slow pay history.

If you prefer not to submit your application online, click here to display our truck and trailer application. This handy form was designed to be completed while it is on your screen. When you are finished, save the application, print it and then fax it together with the release form to our office. If you should have any questions concerning the completion of our applications, please call our office for assistance.