#VT# Loan

First, if you don't know your FICO score or have not reviewed your credit report recently, you should. Your credit score and report are what lenders use to evaluate your application and decide which rate to offer you. The 3 major credit bureaus are required by law to provide a basic free annual copy of their credit report, which you can obtain at AnnualCreditReport.com, but for more information you can visit MyFICO for your full FICO® Score & Credit Report.

When you are ready to get pre-approved or qualified for financing, you can do so online. If you know that you have good credit, you can potentially get pre-approved online at rates as low as 4.24%.

You can apply for rates as low as 4.24% here:

If you are unsure of your credit, or if you know you have bad credit, we work with local partners and dealers in your area to help get you approved.

Enter Your Zip Code Here to get started:

Once you have obtained a few finance options you may want to run some scenarios to understand the best options for you when it comes to loan amount, term, and down payment. Using a payment calculator like this one, can help determine the best truck finance scenario for you to ensure you can handle the monthly payments.

Before you head off to a truck dealership or to meet with a private party seller, it's smart to get as much information as you can regarding your current credit position and loan options for purchasing a truck. Even if you end up using a financing source at a truck dealer, getting pre-approved before you go shopping will help ensure you are getting a good interest rate.

Much too often, buyers walk into a truck dealership without having researched their truck finance options. When you get financing from a dealership, many times the truck dealer is simply increasing the cost above what you would qualify for directly. It makes sense to contact truck finance companies directly to see if you can get pre-approved before you go shopping.

But, if you have had credit problems in the past, you may find it difficult to get pre-approved for a truck loan online. In this scenario, often times, your best options for truck financing is through a local truck dealer, as some dealers have access to financing sources that may not be directly available to you.