10-4 Financing has relationships with more than 20 lenders across the country. This allows us to find a program that works perfectly for each applicant who relies on our financing services for construction equipment, transportation vehicles, and more. The 10-4 team offers:

  • Great programs for first-time buyers and owner-operators
  • You have the ability to choose from any dealership in the USA
  • No FICO or CDL experience minimums
  • Low down payments for Qualified Truckers


Unlike most truck finance companies, we do not need to do a hard pull to view your credit. This allows us to pre-qualify your application without leaving a ding on your credit score. We are able to give you a general idea of what type of truck you would qualify for and a fairly accurate range of what you will need for a down payment.


It’s in our best interest to help you finance a good semi, therefore, we have people on our team whose main job is to work with our customers in order to find a great deal. We’ve been doing this for over seven years and have helped finance thousands of vehicles, including cost-effective transportation equipment. We know a deal when we see one!


Certain factors may severely impact your ability to finance a semi truck, including:

-Past-due child support

-Currently in bankruptcy

If you have these problems above on your credit report, it will be harder to get approved and will require a higher down payment

Contact 10-4 Financing today to see how we can help you kick your career into high gear. We’re here and ready to help, so feel free to call us at 888-908-7701 or fill out our form to begin!