Tow Truck & Wrecker Financing
It’s two in the morning and the phone goes off. A trooper wants a wrecked pickup off the shoulder before the morning rush, and the truck that could clear the lane belongs to a dealership, not you. A rollback handles most nights, and integrated wreckers and heavy-duty recovery units handle the calls a light-duty hook has no business taking.
Get approved. Get equipment. Get to work.
- Amount
- $25,000 and up
- Term
- 24 to 72 months
- Down Payment
- As low as 10%
Rollbacks Through Heavy Recovery
- Rollbacks and integrated wreckers, light duty through heavy recovery
- New operators with a signed motor club or rotation contract
- Cab and chassis plus the bed, all on one application
- Adding a second truck, or expanding a fleet you already run
Bad Credit Tow Truck Loans, After The Bank Passed
A signed motor club agreement or a spot on a municipal rotation list is the strongest thing you can hand a lender. It says the truck has calls waiting the day you take delivery. Send it in with the application.
That contract does a lot of what a second year of tax returns would do, and it carries weight even when your credit is ugly. A bigger down payment covers more of the rest, and the truck argues for itself, because a rollback and the bed bolted to it hold value.
So we take the file to lenders who already work in towing and know what a rotation spot is worth. Ten years at this, all 50 states and Canada.
Got The Contract But Not The Credit?
Can I get tow truck financing with bad credit?
If a signed motor club agreement or a municipal rotation letter is in your name, the arithmetic on the application changes before anybody looks at the score. An underwriter can verify a document like that, which is more than a projection about future volume gets you. Damaged credit still shapes the terms. It doesn’t decide whether the file gets a look. A rotation spot nobody can prove on paper counts for nothing.
Can I finance the body and the chassis together?
Send the chassis quote and the upfitter’s quote together, before the bed is fabricated. Tell us which shop is doing the build, and we’ll work the sequence so the bed is not money you float while it sits in a bay.
Trucks And Machines That Don’t Tow
Same one-page application. Most of the people we work with run more than one kind of machine.
Box Truck & Straight Truck Loans
16-foot cube vans up to 26-foot straight trucks, usually no CDL.
See terms
Waste & Vacuum Truck Loans
Hydrovacs and roll-offs, plus any tank size a route needs.
See terms
Excavator & Construction Equipment Loans
Excavators and loaders, auction or private sale
See termsGet Approved. Get Equipment. Get To Work.
No excuses. No BS. Tell us what you need and we’ll tell you honestly where you stand.