FAQ

What are your hours?

We have funding specialists available during the following hours:

Monday - Tuesday 9AM - 7PM EDT

Wednesday 9AM - 6PM EDT

Thursday - Friday 9AM - 7PM EDT

Saturday 9AM - 2PM EDT

We are closed on Sundays so our associates can spend time with their families.

Where are you located?

We are an online company that provides commercial Big Rig lending across the United States. We do have an office located in Historic Downtown Dalton, Georgia - The Carpet Capital of the World.

What if my truck is in the shop broken down?

Big Rig Lending specializes in repair financing. We can provide financing if your truck is up and running or in the shop. We will send the loan proceeds directly to the repair shop in the event you need the funds to get back on the road.

Does Big Rig require an inspection?

We do not require an inspection, but we do require specific pictures of the trucks. In some cases, we'll ask for a video of the truck running.

What if I don't have great credit?

Big Rig caters to the truck driver no matter what your credit score is.  We incorporate many factors into our proprietary underwriting decision which includes, but is not limited to, value of the truck, length of residence, ownership history, company history, and current income situation. Your personal credit score is only a portion of our overall underwriting analysis.

How much can I get with a Big Rig Lending installment loan?

Most states that we service range from $3,000 to $25,000. California ranges from $5,000 to $25,0000.

How many months are installment loans?

Installment loans typically range from 6 to 24 months.

Does Big Rig Lending offer a line of credit?

We do offer a line of credit to qualified customers with an open or paid-off installment loan. To apply for a line of credit, call a Line of Credit Specialist at 1-844-624-4744 and chose option 4.

What is a Title Pawn?

A title pawn (also referred to as title loans in some states) is a short-term option for those who need a smaller amount of money or do not qualify for an installment loan. 

How long does it take?

Our application process should take roughly 10 minutes. Once you accept the offer and we receive all the proper documentation, we can usually fund within 1 business day. The entire process can be completed in as little as 48 hours.

Do I have to have clear title to get money?

You do not have to have a clear title to get the money. If you currently owe money on your Big Rig, we will incorporate the payoff of that loan as part of our approval process.

What kind of trucks do you lend on?

We specialize in lending on all kinds of commercial vehicles.  Semi's, Dump Trucks, Box trucks, Car haulers, etc.  We loan on Mack, Kenworth, Peterbilt, International, Western Star, Freightliner, Volvo, GMC, Ford, Chevy, Sterling, and many more.

What are the funding methods?

We can send funds electronically with an ACH payment or we can send a check.

What are the payment methods?

• Monthly ACH withdrawal from your checking account

• MoneyGram, Cashier’s Check, or Certified Check (we do not take personal checks)

• Payment over the phone using your debit card

• Money Order

• Comchecks

• Online Payments 

Does Big Rig finance truck purchases?

We do not currently provide purchase money financing but stay tuned because our team is working on a purchase money product for drivers like you.

Does Big Rig Lending offer a referral program?

Word of mouth is our best form of advertising. We would appreciate the opportunity to help other truckers in getting the cash they need to stay on the road. Big Rig will pay you $100 for every owner/operator you refer to us that opens a loan. Some restrictions may apply.

What's considered a commercial loan?

Commercial and industrial loans, as defined by the Federal Financial Institutions Examination Council (FFIEC) in the commercial bank Call Reports (FFIEC 031, 032, 033, 034), include loans for commercial and industrial purposes to sole proprietorships, partnerships, corporations, and other business enterprises, whether secured (other than by real estate) or unsecured, single-payment, or installment. Loans to individuals for commercial, industrial, and professional purposes, but not for investment or personal expenditure purposes, also are included.