Y&C Truck Capital

Fuel your success
with our truck and
trailer financing

Apply in under 10 minutes

Same day approval.

Down payment may be as low as 10%.

Why is it Worth Taking
a Loan From us?

Unlock Your Business’s Potential with Our Convenient and Accessible Loan Solutions

Financing for any
truck or trailer

Our financing options are available for any type of truck or trailer, regardless of the year, mileage, or condition.

Focus on specific

Our primary focus is on sleeper trucks, day cabs, dump trucks, trailers, and box trucks.


Our interest rates range from 12%-25% depending on the deal.


We can accommodate startups, bankruptcy cases, and equipment of any age, and we provide same-day approvals


As direct lenders, we don't outsource any deals, and our clients own their trucks outright without any leasing obligations.

Simple application

20+ yrs exp, e-contracts, low down payments, 12-72 month terms, no tax returns/bank stmts. Apply w/ credit app, DCL/ID & bill of sale

Quick and Easy Truck
Loan Application

Accelerate Your Business Growth with Lightning-Fast Truck Loan Processing.


Choose Amount
and Term

Flexible financing options to meet your needs

Fill Out
an Application

Easy application process with minimal documentation required.

Same day

Quick and efficient approval process to get you the financing you need the same day.

Get Money for
your Truck

You will be able to obtain the loan you need to purchase your truck.

Easily calculate your truck loan and get an accurate estimate in seconds

Use our loan calculator now!

Feedback From Our Customers

Jamarcus Steele
Jamarcus Steele
I got my first semi purchased through Y&C capital. Adrian was very helpful and prompt through the entire process. I was surprised at how fast they got the financing completed. If you're looking to purchase any equipment I highly recommend them.
Jermaine Brown
Jermaine Brown
I love working with Me Me she’s understandable and patient with any questions that I have she return my call in a timely manner is like I’m Y&C Only customer Thank you MeMe for all you do. Jermaine Brown
Miguel Mundarain
Miguel Mundarain
Mimi was great, very professional and extremely helpful. Highly recommend them
Leos Carpentry
Leos Carpentry
Bom não tive nenhum problema recomendo
charles hunt
charles hunt
Charleshunt towing and recovery would like to really thank. Y&c truck Capital and their employee Mimi for the great finance work that they did with us and been with us 100% throughout the whole sale of this truck and financing these are the great and best finance people that you’ll ever go to thank you so sincerely charleshunt
Perry Davis
Perry Davis
I would recommend any one to Y&C Truck capital Payment are low interest rate are to ask to speak to Mimi she will make sure she do any and everything to get you what u need to make your trucking business successful thanks Mimi for all the help u have done to keep Nsoroyal in business
Carlton Lawhorn
Carlton Lawhorn
Great Awesome experience. I would recommend them.
Yetzaira Vazquez
Yetzaira Vazquez
Oh my God!! When I thought the process would be difficult, Mimi always helped, and explained each step in details. Making me feel calmed, and confident about the process in buying. My wife and I will always be grateful, and in the future we will work with her again. Thanks so much!!!
Derrick Jackson
Derrick Jackson
Y&C Truck Capitol was a great experience for me. Mr. Adrian took me in and worked with me to get my truck financed and made sure I would become a truck owner. Even during the pandemic when things were ugly in the trucking industry with rates and diesel. Mimi and Adrian worked with me to make sure I would be able to make my payments with less stress. This is a very good company who goes above and beyond to help out their customers. I strongly recommend them to anyone.

Active Members and Exhibitions

Texas Truck Show

We Care About Your Safety

Safe and Transparent Truck Financing: Your Security is Our Priority.


No Hidden Fees or Charges, Just Straightforward Truck Financing

Your Data is
Safe with Us

PCI DSS Certification and Data Security Measures

Protecting Your

We Comply with Laws to Ensure Your Safety and Security

Serving Nationwide

Get the Financing You Need for Your Truck Anywhere in the U.S.

Frequently Asked Questions

Get answers to all your queries about our quick and hassle-free Truck Financing process

What types of trucks can I finance?

We offer financing for a wide range of commercial trucks, including semi-trucks (sleeper and daycab), dump trucks, box trucks, and flatbed trucks. Contact us to learn more about our financing options.

How much can I borrow for truck financing?

The amount you can borrow depends on various factors, including your credit score, income, down payment, and the value of the truck you want to finance. Contact us to discuss your financing options.

Do you offer financing for used trucks?

Yes, we offer financing for both new and used trucks.

Can I pay off my loan early?

Yes, you can pay off your loan early with at least a year penalty. We encourage our clients to pay off their loans as soon as possible to save on interest charges. Contact us for more information.

How do I make my loan payments?

We also offer automatic payment options for your convenience.

What are the requirements to qualify for truck financing?

To qualify for truck financing, you will need to have a 620+ credit score, a stable source of income, and a down payment. We also consider your employment history and the age and condition of the truck you want to finance.

How long does the financing process take?

The financing process can take anywhere from a few days to a week, depending on the complexity of your application and the documentation required. Typically, a loan will be approved within 24 hours and funded in 48 hours.

What is the interest rate for truck financing?

The interest rate for truck financing depends on several factors, including your credit score, down payment, and the age and condition of the truck. Contact us to discuss your financing options and interest rate.

What happens if I miss a payment?

If you miss a loan payment, you will be charged a late fee. It is important to make your payments on time to avoid any additional charges and protect your credit score.

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