How Does Financing work?

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.

Which financing companies do we deal with?

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.

How do I find out more about Financing?

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.

How are the finance decisions made?

Financial institutions typically take four major factors into account:

• Vehicle selection (age, mileage, and cost)
• Application information (this may include, but is not limited to your business application, business and personal income, how long you have owned the business, whether or not you own your home or business premises)
• Credit history
• Amount of down payment

Trade-ins

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.

What does your credit score mean?

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.

How can I find out more about my credit history?

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

I have excellent credit, what can Altruck International Truck Centres do for me?

We offer you highly competitive terms, reduced time and effort, and a transparent transaction.

I have past credit problems, what can Altruck International Truck Centres do for me?

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.

Can I qualify for financing if this is my first vehicle purchase?

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.

What finance rate can I get?

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.

What factors impact monthly payments?

The factors that impact monthly payments include the amount financed, term, and APR.

What Documents should I have before starting the finance/credit application?

• A valid driver's license
• Proof of income and business documents such as XYZ
• Proof of 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.