Часто задаваемые вопросы

No. Anyone can purchase a unit outright — authority is only required if you intend to run it under your own MC number. Leasing and renting do require active authority and insurance meeting our coverage minimums.

Yes, and we encourage it. Bring your own mechanic or arrange an independent pre-purchase inspection service. We will make the unit available and give you the space to look at it properly.

A dealer who resists this is telling you something. We would rather you buy with confidence than come back in three months with a problem.

No. Every unit we sell has intact, compliant emissions equipment. A deleted truck cannot pass a DOT inspection, is difficult to insure properly, and is close to unsellable. We do not stock them.

A bill of sale, the title or a lien release, an odometer disclosure statement, and a federal excise tax statement where it applies. If you are financing, your lender will add their own documents. We will walk you through each one before you sign.

Yes. We regularly arrange transport nationwide from Chicago and will quote the run to your location. Most Midwest deliveries are same-week; longer hauls depend on the lane, and we will give you a realistic date rather than an optimistic one.

You put down a modest deposit, then make weekly or monthly payments over an agreed term. Every payment is credited toward ownership, and at the end of the schedule the title transfers to you.

Unlike a traditional lease there is no large balloon and no expectation that you hand the truck back. The point is that you end up owning it.

It depends on the unit and your operating history, but lease down payments are typically a fraction of what a purchase requires. Talk to a specialist about a specific truck and we will give you a real figure rather than a range.

It is set out plainly in the agreement and varies by program. Routine servicing is generally the operator’s responsibility; major component coverage is often shared. We will not hand you a contract with that section buried.

Yes. There is no prepayment penalty. A payoff figure is available at any point in the term, so if you have a strong quarter you can get ahead without being punished for it.

A lease is a path to ownership over a fixed term, with payments building equity. A rental is short-term capacity with no ownership component — you return the unit at the end, or extend. Renting costs more per week; leasing commits you for longer.

There is no hard cutoff. We work with a range of lenders, and factors like driving history, time in business and the size of your down payment often matter as much as the score itself.

We will be realistic with you about where you stand rather than running your credit repeatedly hoping something lands.

Most decisions come back within one to two business days once we have a complete application. We help package the submission so it goes to the lender right the first time.

Rates on commercial truck financing vary widely with credit, time in business and down payment — anywhere from single digits for an established operator to the high teens for a newer authority. Our calculator defaults to 12% as a realistic middle, and you can change it to model your own quote.

Yes. Tractor and trailer can be financed together or separately, and several of our lending partners will structure them as one facility. Bundling often improves the rate.

We are at 4200 W Diversey Ave in Chicago, Illinois. Visitors are welcome during business hours — call ahead if you want a specific unit pulled out and ready to look at.

Yes. A large share of our customers are outside Illinois. We handle out-of-state titling and can arrange transport nationwide.

Every genuine inquiry gets a response within one business day, and usually much faster during business hours. If you would rather talk now, call (380) 235-8088 and you will reach a person, not a queue.