Truck and trailer financing with your destination in mind.

In business, like life, the destination matters.  Our truck, trailer, and commercial vehicle financing programs are built with your goals in mind.  If you’re the owner operator just looking to upgrade your current rig, or the fleet operator with a vision to expand from three trucks to three hundred – we’ve got you covered.

At American, we offer truck and trailer financing on pretty much anything with wheels – new or used – any make or model.  We have programs for vocational vehicles like tow trucks, garbage trucks, dump trucks, bucket trucks, and many others, along with the same reliable loan and lease programs for semi tractors and trailers that got us started just over 30 years ago.

Best of all, you don’t need to fill out an application and play a waiting game to see what terms look like.  You can click Get Terms Now anywhere on this website and have payment and term options within just 2-3 minutes all before we even run your credit.

At American, we support truck drivers and anyone behind the wheel of a commercial vehicle.  We’re proud to be riding shotgun with you.

How It Works:


Criteria: Programs for all credit types; established businesses, and startups

Down Payment: Usually zero down, with just first or first and last payment in advance; collateral-based and larger-down programs for customers with credit issues

Equipment Cost: $10,000 to $150,000 for owner operators and up to $1.5 million for fleets

Financing Options: Equipment Finance Agreement with no residual at end of term

Lease Options: Lease with a $1.00 buyout, built-in residual, fair market value (true) lease, or 10% residual at end of term

Structure: Monthly Payment Interval

Terms: Range from 24 to 72 Months

What We Finance:


Get Started:


  1. Complete our 2-3 minute PreQual form
  2. Accept and sign your terms agreement
  3. Sign your final documents and expect funding in 24-48 hours