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
truck or trailer
Our financing options are available for any type of truck or trailer, regardless of the year, mileage, or condition.
niches
Our primary focus is on sleeper trucks, day cabs, dump trucks, trailers, and box trucks.
Rates
Our interest rates range from 12%-25% depending on the deal.
Approvals
We can accommodate startups, bankruptcy cases, and equipment of any age, and we provide same-day approvals
Lending
As direct lenders, we don't outsource any deals, and our clients own their trucks outright without any leasing obligations.
process
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
Approval
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 Steele2022-12-14I 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 Brown2022-10-04I 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 BrownMiguel Mundarain2022-09-22Mimi was great, very professional and extremely helpful. Highly recommend themLeos Carpentry2022-08-22Bom não tive nenhum problema recomendocharles hunt2022-07-22Charleshunt 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 charleshuntPerry Davis2022-07-20I 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 businessCarlton Lawhorn2022-07-13Great Awesome experience. I would recommend them.Yetzaira Vazquez2022-06-03Oh 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 Jackson2022-05-19Y&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
We Care About Your Safety
Safe and Transparent Truck Financing: Your Security is Our Priority.
Loans
No Hidden Fees or Charges, Just Straightforward Truck Financing
Safe with Us
PCI DSS Certification and Data Security Measures
Rights
We Comply with Laws to Ensure Your Safety and Security
- California
- Texas
- Florida
- New Jersey
- Michigan
- Ohio
- Arizona
- Georgia
- Massachusetts
- North Carolina
- Virginia
- Alabama
- Maryland
- Indiana
- Oregon
- Wisconsin
- Missouri
- Tennessee
- Iowa
- Mississippi
- Kentucky
- Arkansas
- Nevada
- Rhode Island
- Nebraska
- and More...
Frequently Asked Questions
Get answers to all your queries about our quick and hassle-free Truck Financing process
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.
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.
Yes, we offer financing for both new and used trucks.
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.
We also offer automatic payment options for your convenience.
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.
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.
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.
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.
Subscribe to our Newsletter
You agree to receive promotional Emails, events update and related news.