Trusted Commercial Financing Partner

Commercial Truck & Trailer
Financing Solutions

Apply Now via NEF NOW →

No initial hard pull for pre-qualifications

Decisions in 24–48 hrs

All credit types welcome

Our Partners

Financing At a Glance

$10K

Minimum loan amount

84mo

Up to 84-month terms

All

Credit Types Welcome

24–48hr

Average approval time

How It Works

Built for the Trucking Industry

Securing the right commercial vehicle financing is one of the most critical decisions a trucking business makes. Whether you're an owner-operator buying your first semi-truck or a fleet manager adding units, Nationwide Haul works directly with NEF NOW — our sister company and a dedicated commercial vehicle lender — to give you fast, flexible financing options.

Credit requirements: While traditional lenders require a 680+ credit score, NEF NOW works with scores as low as 500. They evaluate business cash flow, time in business, and down payment as additional qualifying factors.

Terms range from 24 to 84 months. Pre-qualification is available with no hard credit pull — you get a real rate offer before committing.

Commercial Truck Loan

Own the asset. Build equity. No mileage caps. Best for long-term operators who want to maximize ROI on their equipment investment.

Full ownership after payoff

No mileage or usage restrictions

Builds business credit history

Tax deductions on depreciation & interest

Our sister company NEF NOW specializes exclusively in commercial vehicle financing. Fast pre-qualification, multiple lender options, and programs built specifically for trucking — including startups and challenged credit.

Apply at NEFNow.com →

Proud Members Of

Interactive Tool

Estimate Your Monthly Payment

Adjust the sliders to get an instant estimate. For an exact rate, apply through NEF NOW — no initial hard pull for pre-qualifications.

Loan Amount $75,000

$10K$150K$300K

Loan Term 60 months

24 mo48 mo84 mo

Down Payment $7,500

$0$30K$60K

Est. Interest Rate % APR (adjust to your offer)

* Estimates are for illustrative purposes only and do not constitute a loan offer. Actual rates depend on credit profile, lender, and term. Apply via NEF NOW for a real quote.

Estimated Monthly Payment

^$1,381

per month for 60 months

$67,500

Amount Financed

$82,860

Total Payments

$15,360

Total Interest

Apply Now for Real Rate via NEF NOW →

Ready to lock in your rate? Get pre-qualified in minutes with no hard credit pull.

Simple & Fast

How Truck Financing Works

From application to keys in hand — usually in 48–72 hours.

Pre-Qualify Online

Complete a 5-minute application at NEFNow.com. No hard credit pull. No commitment required.

Choose Your Equipment

Browse Nationwide Haul's inventory of trucks and trailers. Our team helps you match the right unit to your financing terms.

Get Approved

NEF NOW works with multiple lenders to secure the best rate for your profile. Most approvals come within 24–48 hours.

Sign & Drive

Sign your documents electronically, finalize the deal with Nationwide Haul, and hit the road.

Common Questions

Truck Financing FAQ

Everything you need to know about financing your next commercial truck or trailer through Nationwide Haul and NEF NOW.

Still have questions?

Our financing specialists are available Mon–Fri, 8am–6pm EST to walk you through your options.

Talk to a Specialist

Yes. NEF NOW works with credit scores as low as 500 and evaluates your full financial picture — including business cash flow, time in business, and down payment. A larger down payment (20–40%) can significantly improve approval odds for challenged credit applicants.

Typically: government-issued ID, 3–6 months of bank statements, CDL (if applicable), proof of insurance, and basic business information (EIN, business address). Startups may need a personal financial statement. NEF NOW's team will guide you through the exact requirements for your situation.

Most applicants receive a decision within 24–48 business hours. Pre-qualification (soft pull) is available in minutes. Once approved, funding and documentation can be completed in as little as 1–2 business days, so you can take delivery of your truck quickly.

Yes. NEF NOW offers startup programs for new businesses. These programs typically require a higher down payment (20–30%) and may rely more heavily on personal credit. Owner-operators starting their first trucking business are encouraged to apply.

Virtually all commercial equipment sold through Nationwide Haul is financeable: semi-trucks (day cabs, sleepers), dry van trailers, refrigerated trailers, flatbeds, dump trailers, and more. Both new and used equipment qualify, including units with high mileage on a case-by-case basis.

Prepayment terms vary by lender. Many NEF NOW lender partners offer loans with no prepayment penalty, allowing you to pay off your truck early and save on interest. Always confirm the specific terms of your loan agreement before signing.

Ready to Finance Your Next Truck or Trailer?

Join hundreds of owner-operators and fleets who've trusted Nationwide Haul and NEF NOW to power their business growth. Apply in minutes — no initial hard pull for pre-qualifications.