Commercial truck financing in Ontario
Charger Truck Sales finances the used trucks it sells, in-house, on approved credit. Because we hold the paper, the decision is made by our own finance team rather than a bank, often in as little as 24 hours.
Use the calculator below to estimate a monthly payment with your own numbers, then apply online. Applying won’t affect your credit score.
Truck payment calculator
The interactive calculator on this page estimates a monthly payment from the truck price, down payment, annual interest rate and term you enter, using a standard amortised-loan formula. It is an estimate only — not a quote or an approval — and excludes taxes and fees. Your actual rate and term are set by our finance team after you apply for financing.
How financing works at Charger
Apply online in about five minutes, with no documents needed up front and only a soft credit pull. A finance manager calls back with your approval amount and terms, typically within 24 hours. Then pick your unit and sign at our Brampton yard, in Calgary, or remotely, with delivery available across Canada.
Down payments start as low as 10% on approved credit. The rate and term you are offered depend on your credit, history and the truck, so the calculator here uses only the figures you enter. It is an estimate, not an offer.
Programs for Ontario owner-operators and fleets
First-time buyers: no prior commercial credit required with a valid CDL and two or more years of driving history. New authorities: programs built for owner-operators in their first year under their own authority. Rebuilding credit: past repossession or bankruptcy considered with a larger down payment. Fleet expansion: multi-unit terms and trade-in credit for fleets adding capacity.
Visit us in Brampton
Brampton, ON — Head Office & Sales Lot69 First Gulf Blvd
Brampton, ON L6W 4T8
1-905-491-1996
Mon–Sat 08:00–17:00, closed Sunday
Frequently asked questions
Can I get commercial truck financing with no commercial credit history?
Yes. Our first-time buyer program requires no prior commercial credit with a valid CDL and two or more years of driving history, on approved credit.
How fast is a financing decision?
Decisions are often made in as little as 24 hours. A finance manager calls with your approval amount and terms.
How much down payment do I need?
Down payments start as low as 10% on approved credit. Applicants rebuilding credit may need a larger down payment.
Does applying affect my credit score?
No. The online application uses a soft credit pull only.
Is the payment calculator a quote?
No. It applies a standard loan formula to the price, down payment, rate and term you type in. Your actual rate and term come from the finance team after you apply.