We help you get the truck.
Sparta Motors doesn't finance directly. We work with commercial lenders and banks who do, and we'll connect you with the right one.
Three steps to financing.
Straightforward process. No surprises, no runaround. Most buyers get an answer within a business day.
Find your truck
Browse our inventory or tell us what you're looking for. Once you know the truck, we can move on financing in parallel.
Tell us about your business
Fill out the credit application on this page. Business info, owner info, and financials. Set aside about 10 minutes.
We connect you with a lender
Based on your situation, we send your info to a lender we work with who specializes in commercial vehicles. They’ll reach out directly.
Documents to have ready.
Every lender's list is a little different, but these are the basics. Have them ready and pre-qualification is fast.
Business Info
EIN, years operating, industry, annual revenue estimate.
Personal Info
Legal name, SSN, home address, approximate credit range.
Down Payment
Typically 10–20% depending on credit and lender. Cash or trade-in both work.
Bank Statements
Last 3 months of business bank statements. Shows the lender you can carry the payment.
Truck of Interest
The specific truck you’re pre-qualifying for. VIN or stock number is enough.
Trade-In (Optional)
Have a truck to trade in? Year/make/model and rough condition helps us structure the deal.
Heads up
Sparta Motors is not a lender.We do not process loans or approve credit. Financing decisions are made by the lender, not by us. We just help make the connection so you don't have to shop lenders yourself.
Financing application.
This is the lender's own credit application, so it carries their name and branding rather than ours. Your answers go directly to them. Sparta Motors never sees or stores what you enter here.
Trouble with the form above? Open it in a new tab.
Rather talk first?
A full credit application is a lot to fill out before you've even settled on a truck. If you'd rather ask questions first, leave us a note instead.
Quick financing question
Just enough for us to reach you. Use this if you want to talk through your options, get a rough idea of what you'd qualify for, or ask about financing a specific truck before you fill anything out.
Prefer to talk to a person first? (864) 266-5347