Photo: owner operator with their truck
Owner operators
Your first truck or your next one. Terms built around a one-truck business, including self-employed and 1099 income.
Owner operator financing
Used truck financing
Truck financing built for owner operators, small fleets, and auction buyers.
Any make, any model. One application, a network of trusted lenders, and decisions in as little as 24-48 hours.
Serving customers across the U.S. and Canada.
Get a quick answer
Takes about 30 seconds. A finance manager will reach out.
- Applications reviewed
- In trucks financed
- Lender partners
- Typical credit decision
Figures as of September 2026.
Who we finance
Financing that fits how you buy.
One-truck businesses, growing fleets, and anyone bidding on auction day. If no one in your deal is arranging financing, that's our job.
Photo: a small fleet in a yard
Small fleets
Add units without tying up your cash or your bank line. One finance manager who knows your fleet, deal after deal.
Fleet financingPhoto: trucks on an auction lot
Auction buyers
Get pre-approved before you bid, so you know your ceiling going in and can close before the settlement deadline.
Auction financing
Industries we serve
Any make, any model, any job.
From long haul tractors to job-built vocational trucks, if it's used and it works for a living, we can find it financing.
Over the road
Long haul and regional tractors, sleepers and day cabs.
Vocational
Dump, roll-off, box, mixer, and other job-built trucks.
Local delivery
Straight trucks and box trucks for pickup and delivery routes.
Trailers
Dry van, reefer, and flatbed trailers to pair with your power.
How it works
Application to keys, start to finish.
Six steps, no surprises. You'll know where your deal stands at every one of them.
Apply online
One application, about 10 minutes.
Review in 24-48 hrs
A finance manager looks at your whole picture.
Matched with lenders
We shop your deal across our lender network.
Approval and terms
Clear rate, payment, and term, upfront.
Sign docs
E-sign from wherever you are.
Funded
The seller gets paid. You hit the road.
What to have ready
Driver's license, details on the truck you want (listing, bill of sale, or auction lot), and recent bank statements. Business info if you have it.
What our customers say
Straight from the driver's seat.
"Lead testimonial goes here. The strongest one you get, ideally two or three sentences about a specific situation and how it turned out."
"Testimonial from a small fleet owner who added a unit."
"Testimonial from an auction buyer who was pre-approved before bidding."
Photo: the Premier Financing team
About us
Your lender partner for the long haul.
Premier Financing works with a network of trusted lenders to find terms that fit, whether it's your first truck or your fifteenth.
We finance used commercial trucks bought anywhere: auctions, dealers, and private sellers. One finance manager from application to funding, and straight answers the whole way.
Protection plans
Protect what you finance.
Used trucks carry expensive parts. Roll coverage into your loan so one bad day doesn't sink the business.
GAP and GAPlus
Covers the difference between your insurance settlement and what you still owe if the truck is totaled.
ExploreRoadway Advantage Platinum
Towing, roadside help, and trip interruption coverage when you break down away from home.
ExploreRoad Hazard
Tire and wheel replacement, with no cap on the number of replacements.
ExploreEquipment Protection
Engine, transmission, and aftertreatment repairs, the parts that cost the most to fix.
Explore
Common questions
Answers before you apply.
Do I need perfect credit to qualify?
No. We look at the whole deal, not just a score: the truck, your time in business, and your income, including self-employed and 1099 income. Our lender network includes options for newer businesses and credit that's still being built.
How long does the approval process take?
Most applications get a decision in 24-48 hours. Auction buyers can get pre-approved before bidding, so the financing is ready when the gavel drops.
What documents do I need to apply?
To start: a driver's license, details on the truck (listing, bill of sale, or auction lot number), and recent bank statements. If you operate as a business, have your business name and EIN handy. Your finance manager will tell you if anything else is needed.
Why use Premier Financing if I have my own bank?
Many banks don't finance older equipment, private-party sales, or self-employed buyers, and the ones that do can take weeks. We specialize in used commercial trucks, move in days, and shop your deal across multiple lenders instead of giving you one take-it-or-leave-it answer.