Know what the truck really costs before you sign.
Free calculators and plain-English guides for owner-operators. Check the payment, compare offers and see the total cost of every loan.
Calculate your paymentCDL LoansExample
Monthly payment on a $90,000 truck
$1,975per month
One thousand nine hundred seventy-five dollars a month
- Down payment
- $15,000
- Rate and term
- 12% for 48 months
- Total interest
- $19,802
Memo: try it with your numberscdlloans.com
Our promise
- No guaranteed approvals. Nobody honest can promise approval before seeing your credit and income, so we never do.
- No upfront fees, ever. Every tool and guide here is free.
- We never ask for your SSN or bank details. The calculators run on your phone; your numbers stay with you.
- Ads are always labeled. See how we make money.
Calculators
- $Semi truck loan calculatorYour monthly payment, total interest, cost per mile and payoff schedule.
- ?How much truck can I afford?Work backward from your revenue to a safe payment and truck price.
- ⇄Lease vs. buy calculatorCompare the real cost of leasing and financing the same truck.
- ✓Owner-operator startup costsAdd up everything you need before your first check arrives.
- ↑Down payment savings plannerSee how long it will take to save your down payment, and what it takes to get there sooner.
- ≡Compare truck loan offersPut up to three lender offers side by side and see which really costs least.
- %Factoring cost calculatorSee what factoring costs per load, per month and per year.
Before you apply
Want a quick look at payments by price? See the semi truck payment chart. Lenders move faster when your paperwork is ready. Work through the loan readiness checklist, and look up any term you don't know in the financing glossary.
Guides
- How semi truck financing worksWhat lenders look at, loans vs. leases, and what to have ready before you apply.
- Financing a semi truck with bad creditWhat to expect, how to improve your odds, and the traps to avoid.
- Truck financing with a new authorityGetting financed when your trucking company is brand new.
- How much do you need down on a semi truck?Typical down payments, what changes them, and why more down can save you money.
- New vs. used semi truck: which should you finance?Price, repairs, warranties and what lenders will approve.
- Factoring for new owner-operatorsHow freight factoring works and when it makes sense.
- What credit score do you need for a semi truck loan?How lenders use your score, and what to do if yours is low.
- How to avoid semi truck financing scamsThe warning signs of fake lenders and bad deals, and how to protect yourself.
- Balloon payments on truck loans, explainedHow a balloon lowers your payment, and the risk it leaves at the end.
- When to refinance a semi truck loanHow refinancing can lower your payment, and when it doesn't pay off.
- How to pay for CDL school: loans, grants and company-paid trainingWays to cover CDL training without taking on more debt than you need.
Free Truck Loan Readiness Kit
A printable checklist of everything lenders ask for, the 12 questions to ask every lender, and a worksheet to compare offers. Free, by email.
We'll also let you know when we add lender options. No spam, unsubscribe anytime.
Get paid in days, not weeksDAT Outgo factoring pays you on your invoices fast, so fuel and truck payments aren't waiting on brokers.See Outgo factoringTools for owner-operators
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Bluewhale Insurance Group
Insurance for owner-operators and small fleets. Talk to an agent about coverage before you buy.Get a quoteAd
Zoho
Business software for running your trucking company, from invoicing to keeping your books.Try ZohoAd
Roadside Masters
24/7 nationwide roadside assistance for trucks, so a breakdown doesn't leave you stuck.Sign up your truckAd
DAT Load Board
Find loads, check lane rates, and get 10% off a DAT load board subscription.Try DATAd
Truck Parking Club
Reserve a safe truck parking spot ahead of time, or earn money listing your own yard.Find parking
Bluewhale Insurance Group
Insurance for owner-operators and small fleets. Talk to an agent about coverage before you buy.Get a quoteAd
Zoho
Business software for running your trucking company, from invoicing to keeping your books.Try ZohoAd
Roadside Masters
24/7 nationwide roadside assistance for trucks, so a breakdown doesn't leave you stuck.Sign up your truckAd
DAT Load Board
Find loads, check lane rates, and get 10% off a DAT load board subscription.Try DATAd
Truck Parking Club
Reserve a safe truck parking spot ahead of time, or earn money listing your own yard.Find parkingYou might also like
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