The Wholesale Truck and Finance Advantage

WTF is a direct lender specializing in providing financing for owner operators.


We reserve our trucks in inventory for drivers who become our partners.

  • Experienced owner operators needing to upgrade their equipment
  • First time owner operators with proven driving work history (1 year or more)
  • Fleet owners looking to grow or upgrade


We do have the ability to help people with challenged credit, but we are unable to help people with the following:

  • Back child support with NO payment plan
  • No down payment
  • Currently in an open bankruptcy (discharged or dismissed not OK)


Please fill out the credit application or call (877) 568-5922. If you do not see a truck that will meet your needs, check back often, as our inventory changes frequently.

Ready for a better work truck?

It takes 2 minutes to complete and submit our Quick App

Can you finance a semi-truck?

Yes! Our in-house financing advantage allows us to accept most, even those with poor credit. Take a look at our financing criteria.

Why use Wholesale Truck and Finance?

"You don't know how much that means to me. You're a blessing to me, the whole staff at WTF as well and i would recommend WTF to anyone that's looking for a truck."

- Tiawain D.

Earn $1,000!

You Sign up for our referral program and earn money by just spreading the word.