Bad Credit Truck Financing

Commercial Truck Financing with Bad Credit Doesn’t Have To Be Difficult

Our financing team is experienced in helping with bad credit truck loans. Learn about the advantages of working with us and call today to start the 10-4 process!

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If you are currently in the market to finance a new semi truck, but you are dealing with bad credit, it’s important to procure professional financing services to ensure you are provided with affordable, advantageous results. Subprime lending is a hot topic when it comes to loans such as home mortgages, but when it comes to commercial truck financing with bad credit, drivers are finding that the terms provided to them simply aren’t worth the costs.

10-4 Financing, LLC specialists in semi truck financing across the continental United States. Our experienced team works with dozens of partners and more than 20 lenders to help all of our customers find the best fit for their unique situation.

If you’ve struggled to finance your semi truck because you have bad credit, be sure to catch up on our blog post below to discuss the importance of your credit score. We’ll highlight how this number is determined, as well as the value of our professional services.

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Your FICO score (originally Fair, Issac and Company) is a numeric value ranging from 300 to 850, compiled by three credit reporting bureaus that account for a wide range of financial factors in your background. This credit score reading is utilized by more than 90 percent of financial institutions worldwide, and will ultimately determine how successful you are in acquiring subprime lending.

Financing a semi truck, home, or startup business will depend largely on how good your credit score is. Scores in the 700s will yield much more advantageous terms compared to borrowers with scores in the 500s or lower.


Many Americans know the importance of obtaining a high credit score, but few know how this number is configured. FICO will weigh five key categories when determining your score, with the importance of each category varying by the individual. Generally, though, your FICO score is comprised of:

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The Challenges of Affording Subprime Financing

When it comes to financing a semi truck with bad credit, many drivers face the challenge of securing terms that are affordable while investing in a vehicle that is reliable enough to provide a steady income. If you are dealing with subprime lending, it can prove frustrating trying to find a lender that will take on your loan with ideal terms.

If you have bad credit and have looked for semi truck financing, chances are that you noticed how expensive subprime lending can be. 

Drivers trying to get a truck loan with bad credit are often required to spend a lot more money to purchase their vehicles, with challenges including:


10-4 Financing, LLC specializes in commercial truck financing for those with bad credit. We understand that life happens, and that you are more than just a number. Our team works with numerous lenders nationwide to offer a range of versatile truck finance options. Our team can help you find the best truck, trailer, or revolving business line of credit needed to grow your operations. If you’ve been struggling to purchase the right semi truck, our subprime program is the perfect answer!

We offer industry-leading truck financing for those with bad credit, helping drivers with credit scores as low as 500. Many industry professionals find that the subprime terms offered by other lenders are more costly than the income brought in by the truck itself, creating a no-win scenario. 10-4 Financing relies on our proven process to find you the best truck at an ideal price. We know a good deal when we see one!

Contact us today to learn about how affordable our truck financing terms can be for drivers with bad credit, and we’ll get to work finding the best fit for your needs!