Explore our Financing FAQs

McCandless Truck Center is your one-stop-shop for all of your truck, bus, and financing needs.  We offer convenience and an ease of doing business, because we understand your business needs.  Our full suite of competitive retail solutions work the way the customer does, meaning we can be agile with payment plans and options. Our F&I Manager will structure the best financing to meet your needs. Banks and credit unions typically have limited funds available to you, and/or don't provide customizable solutions with your needs in mind. At McCandless Truck Center, we have the transportation experience and financial acumen to get you on the road making money as quickly as possible.

Every lender has their own set of guidelines and requirements, however, generally speaking, financial institutions will take the following into account:

• Your credit history
• The age, mileage and cost of the vehicle  you're financing
• Your credit application information Application information (business application, business and personal income, business age, etc)
• Down Payment amount

McCandless Truck Center is partnered with Navistar Financial and other lenders that are best in the industry giving us the ability to offer the most competitive rates for all credit types. Your rate is determined by a number of factors, not limited to FICO score, time in business, down payment, market conditions, and type of vehicle you are financing. 

Yes, we require a signed application for all financing requests. Not only is it part of consumer protection laws, but it is something all lenders require.  Lenders will likely request additional information along with your credit application to make their decision. You can complete our online credit application here. 

In most cases commercial lenders will require a down payment. The amount will depend on the financial institution and your credit history. 

Monthly payments are impacted by the amount financed, your term, down payment and APR. Depending on the type of financing, the residual amount can also play a factor. 

Financial institutions may require specific or additional documentation with your application, so it is best to contact your McCandless Truck Center Sales Representative or F&I Manager for a complete list of what you'll need.  
 

• A valid driver's license
• Bank and Trade references
• Proof of income and applicable business documents 
• Proof residence/home ownership, etc.

Yes, McCandless Truck Center offers a wide range of lease and finance options to meet our customers needs.  Our Loan Vs Lease Comparison page helps to simplify loan and lease options.  We suggest you consult with your own tax and accounting advisor on tax and financial matters relating to the loan or lease products.

Let your sales representative know about your potential trade upfront so that we can complete an appraisal.