Finance Questions

What are your rates?   +

We’re partnered up with the best lenders in the industry which allows 10-4 Financing to offer the most competitive rates for all credit types. The best rates start at 8.50% and are available to experienced owner-operators with good credit. Your rate will ultimately be determined by a variety of factors, not limited to FICO score, time in business, down payment, and value of equipment.

Click Here to Pre-Qualify

 


Do I need a down payment?   +

We offer a $0 down program for experienced owner operators with great credit. Other applicants will typically have to have at least 10% down. If you are low on cash, we have a separate program that can be used to finance a down payment.

Interested in More Info?

 


Are you a bank?   +

We are not a bank or a direct lender. Instead, we partnered up with all of the best banks and lenders in the industry. We can pre-qualify you with a soft credit pull (no credit ding) and submit your information to the lender that will offer you the most optimal approval. 10-4 is here to serve as your truck finance specialists!

Click Here to Pre-Qualify

 


Do you work with first time buyers?   +

Yes! We built our company around first-time buyers.  We can help you find a great deal and also finance the truck for you.

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Do I need a CDL?   +

Most of our programs do require a CDL, unless you have an existing fleet of trucks. We also have a few start-up capital programs that we can approve for non-CDL investors.

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What is a soft credit pull?   +

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 through our truck financing programs.

Get Started Here

 


How do I get started?   +

You can get started by filling out our “Pre-Qualify Form.” 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. We’ll be happy to get the 10-4 Process started!

Get Started Here

 

 

Equipment/Inventory Questions


Are you a dealer?   +

No, we are not a semi dealership and do not carry any inventory. The trucks featured on our website are sold by our dealer partners and private lots.  We do our best to only feature trucks from reputable dealers that are priced to sell!


Do you finance private party sales?   +

Yes. Generally, private party transactions require additional paperwork, inspection, and the title has to be free and clear before proceeding. Contact us to learn more about financing a private semi truck.


Do you refinance?   +

Only in instances when you are buying truck from your hauler. We would need a payoff request and details on the equipment.

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Can I finance the unit I currently drive with my lease-purchase?   +

Yes. We would need payoff a request and details on the equipment. You can fill out our form or contact us online to get started!

Click Here to Pre-Qualify

 


Can you finance a truck I find?   +

Yes, unless it is being sold by a shady dealer or does not fit our equipment guidelines. 10-4 Financing works to provide only the best units at prices that you can afford. Ready to find a truck online? Browse our inventory to finance the perfect truck for your needs!

Click Here to Pre-Qualify

 


Can you help with the down payment?   +

We offer a $0 down program for experienced owner-operators with great credit. Other applicants will typically have to have at least 10% down. If you are low on cash, we have a separate program that can be used to finance a down payment.

Interested in More Info?

 


How do I get started?   +

You can get started by filling out our “Pre Qualify Form”. 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.

Get Started Here

 

 

Working Capital Questions

 

What is working capital?   +

Working capital is another word for available cash.  You can use it for equipment, maintenance, fuel, expansion, payroll, and just about anything else your business needs.

Learn More

 


How do I qualify?   +

We have partnerships with a few lenders that offer Working Capital. We can pre-qualify you with a soft credit pull and provide a pretty good idea whether the programs we carry are a good fit for what you need.

Learn More

 


Can I pre-qualify with a soft credit pull?   +

Yes! 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 negatively impacting your credit score.

Learn More

 


How much can I qualify for?   +

Our programs start at $5,000 and can go as high as $150,000. The amount you are approved will depend on several factors, including your FICO score, time in business, and cash flow.


How do I get started?   +

You can start by filling our Pre-Qualify Form. We can pre-qualify you with a soft credit pull and provide a fairly accurate picture on whether the programs we carry are a good fit for your personal and professional truck needs.