Owner-operator and first-time buyer truck financing, O.A.C.

We hold the paper, so we make the decision — not a bank. Apply for a used truck loan online in minutes and get an on-approved-credit decision without affecting your credit score.

How it works

1. Apply online — five minutes, no documents needed up front. Soft credit pull only.
2. Get a decision in 24 hours — a finance manager calls with your approval amount and terms.
3. Pick your unit and drive — sign in Brampton, Calgary, or remotely. Delivery available across Canada.

Financing programs for owner-operators and first-time buyers

• First-time buyers — no prior commercial credit required with a valid CDL and 2+ years driving history.
• New authorities — built for owner-operators in their first year running under their own MC number.
• 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.

Down payments start as low as 10% on approved credit. Browse inventory once you know your budget, estimate a payment on our semi truck financing in Ontario page, read about bad credit semi truck financing in Canada, or talk to a finance manager.

Your application is handled under our privacy policy.

Call or text +1 (905) 491-1996 or email info@chargertrucksales.com, or use the contact form. Open Monday to Saturday, 08:00–17:00.

• Brampton, ON — Head Office & Sales Lot
  69 First Gulf Blvd, Brampton, ON L6W 4T8
  1-905-491-1996
• Cambridge, ON
  170 Werlich Dr, Cambridge, ON N1T 1N6
  1-905-491-1996
• Calgary, AB — Western Canada Office
  340 High Plains Dr, Rocky View County, AB T4A 0P7
  1-905-491-1996