Commercial Truck Title Loans Up to $50,000

Same-Day Cash for Truckers

Running a trucking business means juggling fuel, IRP renewals, tires, repairs, and slow-pay brokers, and one bad week can take your rig off the road.

A commercial truck title loan is a type of title loan that uses the equity already in your truck to put cash in your account, often the same business day⁸, so you keep hauling instead of parking. Here is what to expect before you apply.

Key Takeaways

• Loans Funded: 372 commercial truck title loans funded across our service states from 2024 to 2026.
• Loan Amounts: Average funded loan was $14,195. Borrow up to $50,000, up to 50% of truck value.
• Approval Factors: Truck value and proof of income are the main factors⁶. Bad credit considered.
• Trucks Financed: Freightliner, Volvo, Peterbilt, Kenworth, International, Isuzu, Hino, Ram, Ford, and Chevrolet.
• Typical Truck: The average funded truck was a 2014 model with over 500,000 miles.
• Keep Driving: Keep using your truck during the loan term while we hold the title lien.
• Borrow Responsibly: Missing payments may lead to repossession, so borrow what fits your budget.
• Free Estimate: Get a free estimate in about 5 minutes⁸. Call (888) 309-0994 or apply online.

What Is a Commercial Truck Title Loan?

A commercial truck title loan, also called a semi truck title loan, is a secured loan that lets you borrow money using your truck’s title as collateral. The lender places a lien on the title and may lend up to 50% of the truck’s market value, depending on the vehicle and your ability to repay.

To estimate that value, the lender reviews your truck’s make, model, year, mileage, condition, and VIN. In many cases, this review is completed online using photos or videos, with no physical inspection required.

Approval is not based only on the truck. You also need to show the ability to repay the loan. Proof of income can come from different sources and does not always require a traditional paycheck. Bank statements, business income, contracts, benefits, and other income sources may be accepted depending on the situation.

If approved, funding may be available as soon as the same business day or next business day⁸. You keep driving and using your truck during the loan term while the lender keeps the lien on the title.

Once the loan is fully paid, the lien is released and the title is returned. In many states, this process is completed electronically.

Is This the Right Loan for My Truck?

Commercial truck title loans are more expensive than traditional bank loans, so it is important to be aware of the costs and review the APR, fees, payment schedule, and total repayment amount before signing.

Missing payments may lead to repossession because the truck secures the loan. As someone who depends on your truck for daily work and income, it is important to understand this risk and borrow only what fits your budget.

You should also consider other financing options that may better fit your needs, especially if you qualify for lower-cost alternatives. You can compare options and guidelines through resources like the Federal Trade Commission.

How to Apply for a Commercial Truck Title Loan

1. Apply Online: Submit your truck details (year, make, model, mileage), business info, and income basics in about 5 minutes⁸. You will get a pre-qualified amount and term.
2. Send Your Documents: Truck title in your name, government-issued ID, proof of income (1099s, settlement statements, bank deposits, or business income), proof of residence, and active commercial truck insurance.
3. Verify the Truck: To assess the final loan amount, we need either a vehicle inspection or clear photos or video of the interior and exterior of your truck, plus the odometer and VIN. In most cases this is completed remotely with no physical inspection needed.
4. Review, Sign, Get Funded: Review the APR, fees, and total cost before signing. After you sign, a lien is placed on the title and funds are released the same or next business day⁸ by direct deposit.

Trucks and Trailers We Finance

We work with most commercial trucks and trailers that have a clear title and sufficient equity, including:

• Semi trucks and big rigs
• Box trucks
• Dump trucks
• Car haulers
• Platform trucks
• Delivery vehicles
• Trailers with clear titles
• Specialized commercial equipment (subject to approval)

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How Truck Title Loans Compare

Here is what sets a commercial truck title loan apart from car title loans and bank financing, and where the real trade-offs sit. Use this to decide if it fits your situation.

Pros	Cons
High-Mileage Trucks Welcome: We have funded trucks past 500,000 miles, including a 2015 Freightliner Cascadia at 580,000 miles. Most car title lenders cap around 200,000.	Higher APR Than Bank Loans: Title loans cost more than traditional financing. APR varies by state but runs well above bank rates. Borrow only what you need.
Bigger Loans Than Car Title: Borrow up to 50% of your truck’s value. Average funded amount is $14,195, with a recent 2019 Ram 5500 (121,714 mi) funded for $17,500.	Truck-on-the-Line Risk: Your truck secures the loan. Missed payments can lead to repossession, which can stop your business cold.
Work-Horse Valuation: We weigh your truck’s commercial use and condition, not just retail blue-book numbers. A working semi is worth more to a trucker than to a dealer.	Short Repayment Terms: Most truck title loans run up to 48 months. Tight monthly payments make cash flow harder to manage.
Keep Driving While You Repay: Keys stay with you, title stays with us. The truck stays on the road earning.	Lien on Title: We hold the title and a lien until the loan is paid off. Selling or refinancing the truck during the loan term requires our involvement.
Owner-Operator Income Counts: We accept 1099s, settlement statements, bank deposits, and business income. No W-2 required.	Best for Short-Term Cash Gaps: Use for repairs, IRP, broker float, or specific shortfalls, not long-term debt. Explore lower-cost alternatives first.

How to Choose a Truck Title Lender

A truck title loan is a high-cost product, and the wrong lender can make a tight situation worse. Use this short checklist before signing with anyone, including us.

• Check the license. Verify the lender is licensed in your state. Search the NMLS Consumer Access database by company NMLS ID. 5 Star Car Title Loans is NMLS ID 1442517.
• Get the APR and total cost in writing. Before signing, ask for the APR, all fees, monthly payment, and total of payments. If a lender will not show these to you in writing, walk away.
• Check independent reviews. Look at Google Reviews, BBB, and Trustpilot. Filter for recent borrower reviews, not just star ratings.
• Verify truck-specific experience. Ask if they have funded your kind of truck (semi, box, dump, car hauler, etc.). A lender who has not funded commercial trucks may misvalue yours.
• Know your state-specific rights. Prepayment terms, repossession notice, redemption rights, and surplus return after a sale are set by state law. Check our title loan laws by state guide so you know exactly what your lender owes you before signing.

Estimate Your Truck Title Loan Payment

Run a quick estimate before you apply. Our truck title loan calculator covers semis, big rigs, box trucks, dump trucks, and delivery vehicles. Adjust the amount and term to see a full amortization schedule with the monthly payment, total interest, and total cost for each option.

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