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7/14/25

Top Mistakes to Avoid When Buying a Truck with Bad Credit

Buying a semi-truck is a major investment—and if you’re working with bad credit, it can feel like a road full of roadblocks.

Truck Sales

customer looking at financing truck forms

Buying a semi-truck is a major investment—and if you’re working with bad credit, it can feel like a road full of roadblocks. But here’s the good news: it is possible to buy a truck and build your credit in the process. The key is knowing what pitfalls to avoid.

Whether you’re a first-time buyer or a seasoned owner-operator rebuilding your financial standing, steering clear of the following common mistakes can help you make a smart, long-term investment in your future.

1. Waiting Too Long to Take Action

One of the biggest mistakes buyers with bad credit make is assuming they need to wait until their score improves to even start looking. In reality, there are financing options available right now, and the truck you buy today can help improve your credit over time—as long as you make payments on time and stay consistent.

Don’t wait for the “perfect” score. Focus on finding the right dealer who works with all types of credit histories.

2. Avoid Handling the Process Alone

Trying to secure financing on your own with poor credit can lead to high interest rates, unfavorable terms, or even getting stuck with a truck that isn’t reliable. Working with a dealer like Birmingham Freightliner means you’ll have a trusted team guiding you through financing options tailored to your situation.

Our finance team works with a wide network of nearly 70 nationwide lenders—some of whom specialize in helping buyers with bad credit. You don’t have to navigate the process alone.

3. Overlooking Total Cost of Ownership

It’s easy to focus solely on the monthly payment, especially when financing with bad credit—but don’t forget to factor in fuel costs, insurance, maintenance, and warranty coverage. Choosing a truck that’s outside your realistic budget can lead to missed payments and even further damage to your credit.
Instead, work with your dealer to fully understand what you can afford both monthly and annually.

4. Ignoring Warranty and Service Options

Sometimes, buyers skip warranty options to save money up front. But without coverage, one unexpected repair can set you back financially. Many used trucks at Birmingham Freightliner come with extended warranty options or certified inspections, giving you peace of mind and protecting your investment.
Ask about warranty and service packages as part of your buying process—you’ll thank yourself later.

customer filling out financing form

5. Not Asking About Financing Programs Designed for Bad Credit

Some dealerships don’t offer financing support for people with lower credit scores. But Birmingham Freightliner does. We believe in helping truck buyers get back on the road with confidence, regardless of their credit history.
Our financing experts take the time to understand your goals and find solutions that work for you. Plus, financing through a dealership can sometimes offer better terms and support than third-party options.

At Birmingham Freightliner, we’re here to help you find the right truck and the right financing—so you can keep moving forward.
Learn more about our financing options or contact us using the form below to talk with our expert team members. Let’s find a solution that works for you.

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