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Best Buy Here Pay Here Semi-Trucks in Florida

Buy here pay here semi-trucks are more affordable than brand-new alternatives. Additionally, semi-truck buy here pay here dealers typically have more lax financing requirements, meaning you can get your hands on a rig even if you have imperfect credit. 

But it can be tough to determine which buy here pay here companies are the best to work with if you need to purchase a used semi in the Sunshine State. That’s why we created this list of top buy here pay here dealers in Florida. If you need a reliable truck that won’t break the bank, this list is just what you’ve been searching for. 

Quicklook: Best Buy Here Pay Here Semi-Trucks Florida

  • Best for Overall Quality and Dependability: Freightliner
  • Best for a Seamless Buying Process: Platinum Truck Sales  
  • Best for Drivers with Bad Credit: Bulldog Truck Sales 
  • Best for Cash Purchases: TSI Truck Sales 
  • Best for Affordability: Ryder

5 Best Buy Here Pay Here Semi-Trucks Florida Options

The companies that made our list of the top buy here pay here semi truck dealers in Florida are:

Freightliner

As the top-selling truck brand in the country, Freightliner had to make the cut. This company is known for producing world-class rigs that are built to last. Freightliner has a huge network of service facilities and authorized dealers throughout the nation, including in the Sunshine State. 

Best For: Overall Quality and Dependability 

Contact Information: 

Website: https://freightliner.com/ 

Special Features: 

  • Dependable trucks 
  • A nationwide network of facilities
  • Trucks are fuel-efficient and reliable 

Benefits:

  • Fuel efficient 
  • Trucks are well-priced
  • Many different models are available 

Disadvantages: 

  • Must pay extra for the best truck features 

Platinum Truck Sales

Platinum Truck Sales

Conveniently located on the west coast of Central Florida, Platinum Truck Sales offers true buy here pay here semi-truck purchasing. The company has upfront pricing, great customer service, and a willingness to finance just about anyone. 

Best For: Seamless Buying Process

Contact Information: 

Website: https://platinumtrucksales.com/ 

Special Features: 

  • Good inventory 
  • Fast financing process

Benefits: 

  • Finances drivers with bad credit
  • Transparent pricing
  • Offers in-house service and maintenance 

Disadvantages: 

  • Rates can be high

Bulldog Truck Sales

When Bulldog Trucks Sales says they finance drivers with bad credit, they mean it. The company has a large inventory of later model vehicles and has plenty of truck styles to choose from. It also offers short-term rentals and leasing as well. 

Best For: Drivers with bad credit 

Contact Information: 

Website: https://www.bulldogtrucksales.com/  

Special Features: 

  • Buy here pay here financing and leasing options
  • Large inventory 
  • Easy to navigate process

Benefits: 

  • Reasonable rates 
  • Flexible repayment terms  

Disadvantages: 

  •  Bulk of inventory is located in GA, not Florida

TSI Truck Sales

tsi

TSI Truck Sales is a smaller outfit based in Lake Wales, FL. This mid-sized town is located in the heart of Central Florida, between Tampa and Orlando. If you want personalized service and need an affordable truck, TSI Truck Sales is a solid option. 

Best For: Cash purchases 

Contact Information: 

Website: https://www.tsitrucksales.com/default.htm 

Special Features: 

  • Hosts online auctions
  • Personalized service

Benefits: 

  • Affordable vehicles
  • True buy here pay here semi-trucks available 

Disadvantages: 

  • Rates could be better
  • Limited inventory 

Ryder 

Ryder’s inventory includes thousands of used vehicles and trailers. The company has some of the best prices around and can help you find an affordable semi-truck to launch your business. Many trucks even include a Ryder warranty, which decreases your cost of ownership during the first few years. 

Best For: Affordability 

Contact Information: 

  • Phone Number: (855) 643-7072
  • Email: info@ryder.com

Website: https://ryder.com/used-trucks/vehicles 

Special Features: 

  •  Certified vehicles include a warranty
  •  Thousands of trucks available 

Benefits: 

  • Great pricing 
  • Huge selection
  • Warranty included with many vehicles 

Disadvantages: 

  •  Stringent financing requirements 

What Are Buy Here Pay Here Semi-Trucks?

Buy here pay here semi-trucks are vehicles that can be purchased directly from sellers using in-house financing. This approach eliminates the hassle of seeking approval from a bank, credit union, or other financial institution. 

Most buy here pay here semi-trucks are a great option for new businesses that have little to no documented income and drivers with subpar credit.

How Do Buy Here Pay Here Semi-Trucks Work?

Sellers that offer buy here pay here financing handle everything in-house. They write up the purchase agreement, collect payments, and keep up with your loan balance. 

Since they are absorbing the risk of the purchase, they can choose to do business with drivers that have less than ideal credit. However, most semi-truck buy here pay here dealers will increase the interest rate when dealing with risky clients. 

Short Term Lease or In House Financing: What’s the Right Move for Me?

Now that we have rounded out our list of the top 5 best semi-truck buy here pay here dealers in Florida, you have a decision to make. You can either start shopping for buy here pay here straight trucks and semi-trucks, or you can pursue a short-term lease. But which route is the right move for your business?

That is a question only you can answer. However, this guide breaking down the difference between leases and loans will help you make an informed decision. 

With that being said, thoroughly read through the contract associated with each option. Pay careful attention to details like loan terms, interest rates, and monthly payments — you will be behind the wheel of your next semi-truck in no time. 

FAQ

What Credit Score Do I Need to Finance a Semi-Truck?

The exact requirements will vary depending on the financial institution, how much you are financing, and other factors. However, most lenders like to see a score of 620 or higher. Buy here pay here semi-trucks are typically not subject to this same requirement. 

What Is a Good Interest Rate for a Semi-Truck?

Interest rates can range from as low as 5% to as high as 30%. Generally, anything under 10% should be considered to be a reasonable interest rate for a semi-truck, especially if your credit isn’t the best. 

What Is the Most Affordable Semi-Truck?

Many of the top semi-truck brands are similarly priced. All of them depreciate with age and mileage. However, you could probably find a serviceable semi-truck for somewhere in the $30,000 range. Be prepared to perform some maintenance, though.

Truck leases for as low as $525 a week with Roehl

Designed to give experienced drivers or previous lease purchase/owner operators with limited financial resources a pathway into truck ownership.

Truck leases for as low as $525 a week with Roehl

Designed to give experienced drivers or previous lease purchase/owner operators with limited financial resources a pathway into truck ownership.