Getting a Truck Loan With Any Credit

See these lenders offering truck loans for any credit type on Chevy Silverado, Dodge Ram, F-150, and more.

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It’s a common myth that you can’t finance a new or used truck if you have bad credit. The truth is that anyone can apply for a loan regardless of their credit history. People with poor credit have more options than ever before to finance their dream truck. They will likely be surprised at how low the monthly payments can be.

Below, you will find some of the best lenders that offer vehicle loans to people with poor credit.

Lending Tree

This lender can give you reasonable loan at interest rates of 3.99% to finance your dream truck. Lending Tree has a good reputation for keeping interest rates low and not gouging their customers.

No matter what your credit rating is, Lending Tree will still help you find a financing option. Start by checking their website and search for the loan that matches your capacity to pay. When you apply, you will be provided by a list where you can compare up to five different lenders that offer loans. Then you can select the one that is suitable for your credit score, budget and terms.


  • Only 3.99% interest rate
  • Lets you compare up to 5 different loan offers in a single search
  • No fees to apply for financing
  • Gives you access to national lender database for more loan options
  • Loans and lenders are available for all credit scores and types


  • Another application process is needed to view more than five loan offers

Auto Credit Express

Auto Credit Express has a motto of “Hassle-Free Auto Financing”. It enables fast and easy auto financing for everybody no matter what their credit score is. With their help, you can find the best loan to match your current financial situation. These loans can be used for any dealership to buy a new or used truck. They are not like other lenders who will reject your application because of bankruptcy status or a credit score below 625.

One qualification to note is that if your credit score is below 625 you must have at least $1,500 gross monthly earnings to qualify for a loan.


  • They offer several options
  • They can finance new or used trucks
  • Will not reject an application for older vehicle models
  • They can serve the traditional dealers and special finance dealership


  • Getting a loan to buy from a private seller is not allowed

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When you have a low credit rating many lenders will deny your applications or only accept you with high interest rates and fees. Fortunately, will not do that to you. In as fast as 2 minutes, can give you as many as four different lenders to choose from.

To qualify for their loan offers, you must have at least $1,800 in monthly income, no current bankruptcies and looking to finance a truck no older than 10 years old. On the website, you use an interest rate estimator tool to determine what APR to expect.


  • All you need is 2 minutes to apply for a loan
  • View up to 4 lenders at one search
  • Fast approval processing of within 24 hours
  • Truck financing from private sellers allowed
  • No fees to be collected
  • Auto loan refinancing also available


  • Your personal information is shared with other lenders
  • The application may not be approved for an older truck with high mileage

Capital One

Borrowers can apply at Capital One to finance a new or used truck. Capital One offers financing to more than 12,000 truck dealerships across the USA and these loans are available to anyone regardless of credit score.

Those with low credit can benefit from the pre-qualifying stage process for an auto loan. With this process, there is no need to take a hit on your credit report. This eliminates the risk of making your score even lower just for applying for a loan.  The Capital One website also has an Auto Navigator tool that enables an instant comparison list for truck payment amounts and interest rates.


  • As soon as the loan offer is made, customers can view potential lenders
  • Online financing is available


  • Truck financing from private sellers are not allowed
  • Loan amount should be at least $4,000

Final Thoughts

It may be difficult to find the best lenders to finance your dream truck particularly for those with bad credit. The good thing is that it is not impossible and the lenders mentioned above can be quite helpful in your quest.

All you need is to allocate some time to research, read and compare their different offers.

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