How fast can I get a truck loan?

Finzorae offers same-day decisions. Apply in 3 minutes with soft credit check, get pre-qualified for Truck Loans (FMCSA) including MC/DOT, BOC-3, UCR.

Do I need an MC to apply?

No. You can get pre-qualified without an MC. We finance the FMCSA Transport Registry filing as part of your Truck Loan.

What credit is needed?

We look beyond credit. Good credit not needed. We consider income, employment, down payment ($5k+ fast-track).

Make it work
with fast,
easy loans.

Approved in minutes.
Money same day.*
Good credit not needed.

Apply now

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4.9/5

200k+ Google reviews

*Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded the next business day.

157M+

loans issued

700+

stores and online

28+

years providing loans

4.9/5

Trustpilot rating

Getting a loan is fast and easy

Start your application online or apply in store. Get approved within minutes and receive money same day.

Step 1

Start your application

Complete our simple online application or visit one of our 700+ locations. It only takes a few minutes.

Step 2

Get approved in minutes

Receive an instant decision. We look beyond your credit score and consider your income and employment.

Step 3

Receive money same day*

Once approved, get your money deposited directly to your bank account — often the same day you apply.

Apply Now Find a Store

Turning someday into today starts at Finzorae

Through 28+ years and over 157 million loans, Finzorae has helped our customers build stronger tomorrows. Let's get started on yours.

We offer same-day funding*

Receive approval in minutes and get the money you need to tackle your day.

We keep it real

We're committed to transparency and protecting your personal information.

Choose the right loan for you

Explore Finzorae's financial solutions tailored to your needs — including our specialized Truck Loans (FMCSA Transport Registry) financing.

Business Loans

Fuel your growth with working capital lines of credit, term loans and cash management services.

Working capital lines of credit
Term loans for expansion
Custom business solutions
Competitive rates - Prime + 6.99%

Learn More

Credit Advance

Premium credit facilities for qualified customers with flexible repayment and revolving access.

For premium customers
Flexible repayment terms
Revolving credit line up to $4,000
No prepayment penalties

Apply Now

FMCSA • POPULAR

Truck Loans

Get your MC/DOT authority + truck financed. We cover FMCSA filing fees, BOC-3, UCR, IRP/IFTA and down payment — even with no MC yet.

MC & DOT authority filing + BOC-3/UCR
Owner-operator first-truck program
No hard pull • 3-min pre-qual
Soft credit check only

Check Truck Loan Eligibility →

Takes 30 sec • Opens AI support chat

Online approvals before 10:30 AM ET (M-F) typically funded by 5 PM ET same-day. After 10:30 AM ET funded next business day.

TRUCK LOANS • FMCSA TRANSPORT REGISTRY

Truck Loans — From no MC to first truck, we handle the paperwork

Whether you're just getting started (no CDL yet) or already have CDL/authority, our AI chat routes you in 30 seconds to the right program — then pre-qualifies you without a hard pull.

✓ Just starting? We qualify on plan + down payment, not just credit — $5k+ down is fast-track
✓ Have CDL? Tell us truck (Peterbilt/Kenworth/Freightliner) + contracts + LLC/EIN for same-day offer
✓ Authority filing: MC/DOT, OP-1, BOC-3, UCR, IRP/IFTA — financed, not out-of-pocket

Start Truck Loan Check → WhatsApp Us

No hard credit pull • Soft check only • Consent required before pre-qual link (see chat)

How FMCSA financing works

Chat 30 sec: Branch → Just starting vs Have CDL
Qualify: Credit (excellent/good/fair/building) + down payment ($)
Decision: Pre-qualified → 3-min register link • Nurture → free guide
Funded: Authority fees + truck down payment disbursed same day*

FMCSA Tip: You don’t need an MC to get pre-qualified. We finance the authority filing as part of the loan — our chat tracks your DOT/MC status and adjusts.

Our customers say it best

We're proud to have 4.9/5 stars on Trustpilot and 200,000+ reviews on Google. Here is what customers say.

"Great customer service. Cari, Chinode and a new lady Carmen were amazing. Thank you for your customer care!"

Victoria

08/29/2026 • Trustpilot

"5 star happy! Thank you Mya and Liz are friendly environment and great customer service!"

Henry

08/29/2026 • Google

"This was an amazing experience. Extremely helpful and friendly staff. They made the process painless."

Jermaine

08/29/2026 • Trustpilot

Ready to get started?

Apply now and get a decision in minutes. Checking your rate won't affect your credit score.

Apply Now

Good credit not needed. Fast application. Instant approval decision.