Finance FAQ Call Now 1 (877) 550-2611
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The Altruck International Truck Centres finance process is simple: Select a vehicle that meets your needs. We will tell you clearly what you need upfront so you are prepared for the credit application. Our sales and finance consultants will be with you throughout the process and guide you.
Altruck International Truck Centres offers financing through Kirby Financial. We shop for best rates for you. We work with CIT and other world-class financial institutions to bring customized offers tailored specifically to you.
To begin the financing process online, first find the vehicle you are interested in purchasing. You can start the process by contacting our expert Financial Consultants finance@kirbyfinancial.com or your Sales Consultant 1-888-539-7110 or simply walk in to your nearest Altruck International Truck Centres location.
- Financial institutions typically take four major factors into account:
- Vehicle selection (age, mileage, and cost)
- Application information (this may include, but is not limited you're your business application, business and personal income, how long your have owned the business, whether or not you own your home or business premises)
- Credit history
- Amount of down payment
Use the equity of your used truck in your financing deal. We will buy your used truck. Just let your sales consultant know about the trade-in in advance.
Credit scores are created by credit reporting agencies to help financial institutions predict risk. They are expressed as a score generally ranging from 350 – 850. In most cases, the higher your score, the greater chance you have of receiving a better financing offer.
There are 2 major credit reporting agencies in Canada: Equifax Canada and TransUnion Canada. Each one can provide you with a copy of your credit report, including your credit score. Please see contact information below:
- Equifax: equifax.ca for more information
- TransUnion Canada: transunion.ca for more information
We offer you highly competitive terms, reduced time and effort, and a transparent transaction.
Our finance sources try to be accommodating but you might have to arrange your own financing. You will still enjoy the same simple, hassle free buying experience, quality, and exceptional customer service we offer every Altruck International Truck Centres customer.
Many customers qualify for financing without a prior vehicle purchase. Most of the finance companies that Altruck works with, will look at your credit history and application information to make a credit decision.
Your finance rate depends on your past credit history, the type of truck you're buying, your down payment, and overall market conditions. Altruck will work with several world-class financial institutions to create programs designed specifically for your business. These offers are very competitive. Please call 1 (888) 650-1111, email finance@kirbyfinancial.com or visit your nearest Altruck International Truck Centres location or speak with your sales consultant for more information.
The factors that impact monthly payments include the amount financed, term, and APR.
- A valid drivers license
- Proof of income and business documents such as XYZ
- Proof residence/home ownership, etc.
- Because different financing companies may require additional documentation, you may want to contact a Sales Consultant for a complete list of what you'll need to buy a vehicle from Altruck International Truck Centres.
- If you also intend to sell a vehicle to Altruck, please speak with our used truck sales team to understand the information we need.