WHY IT MATTERS

Why choose CSM Financing Services

CSM Financial, a CSM Company subsidiary, can work with you directly or through its network of financial suppliers to provide a wide range of financing options to meet your unique business needs. Whether you are an individual owner-operator or a large trucking fleet, we can help you get the financing you need to move your business forward.
W990 KW (5)
  • 30+
    Service locations across six states
  • 6
    States: WI, MI, TX, NE, FL, OH
  • 100%
    Skilled technicians, including OEM-trained PACCAR specialists
  • 3-time
    Kenworth Dealer of the Year Award Recipient
WHAT WE OFFER

Rely On Us For Financial Services

T880 T880E T880S
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    Retail Loans
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    TRAC Leases
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    Modified TRAC Leases
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    Municipal Leases
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    Fair Market Value
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    Fixed Rate/ Simple Interest
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    Balloon Payment
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    Seasonal Skip
KW T880-2
FEATURED

Fast, Easy, Secure
Apply For Credit

Applying for credit is fast, easy, and secure. Submit an online application and include bank information, commercial credit references and more.

individual credit application
T880 Kenworth truck
FIND SERVICE NEAR YOU

Financing Locations Nationwide

Apply

Need Financing for Major Repairs?

CSM Financial offers flexible repair financing options to keep your fleet running without tying up working capital. Get pre-approved in minutes.

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FAQ

Frequently Asked Questions

Everything you need to know about fleet maintenance with CSM. Don’t see your question? Contact your local service location.

How do I apply for financing through CSM Financial?

CSM Financial is a CSM Companies subsidiary and can work with you directly or through its network of financial suppliers. Applications start online or through any of our locations, and you can get pre-approved quickly.

How quickly can I get approved for truck financing?

Pre-approval is available same day for straightforward applications, which is enough to tell you your working budget before you start shopping. Full credit approval and documentation take longer where the deal involves larger fleets, limited trading history or additional collateral.

What credit score do I need for truck financing?

There is no single cut-off. Scores in the high 600s and above access the strongest rates, but time in business, down payment size, freight contracts and the collateral itself all factor in. Because CSM Financial works through multiple suppliers rather than one lender, applications outside a single bank’s criteria can still be placed.

Can I finance a truck with no money down?

Sometimes, though it usually requires established operating history or stronger credit and results in a higher monthly payment. Newer operators typically need 10 to 20 percent down. We will model both structures so the trade-off between upfront cash and monthly cost is visible before you decide.

Can I finance a major repair rather than a truck?

Yes, and it is one of the most useful things we offer. CSM Financial provides flexible repair financing so an unexpected engine or transmission rebuild does not tie up working capital or park the truck.

Do you finance used trucks and other brands?

Yes. CSM Financial serves owner-operators and fleets across the US with a wide range of financing options built around the business rather than a single product line.