Buying a Used Truck With Challenged Credit: Tips and Strategies

Buying a Used Truck With Challenged Credit: Tips and Strategies

Buying a used truck can be a daunting task, especially when you have challenged credit. Your credit score plays a significant role in determining your eligibility for financing and the interest rates you receive. However, with a bit of research and planning, you can still purchase an affordable used commercial truck, even with less-than-perfect credit.

Check Your Credit History

Before beginning the search for a used commercial truck, it’s important to check your credit history. Knowing your credit score will give you an idea of where you stand financially and what kind of financing options you may qualify for. You can obtain a free credit report from the three major credit bureaus: Equifax, Experian, and TransUnion.

Don’t Have a Credit History?

If you don’t have a credit history, it may be challenging to secure financing for a used commercial truck. However, there are options available. One option is to find a co-signer with good credit to sign for the loan with you. Another option is to start building your credit by applying for a secured credit card, paying bills on time, and keeping credit utilization low.

Improve Your Credit With a Few Strategies

If you have a poor credit score, there are strategies you can use to improve it. One strategy is to pay off outstanding debts and keep credit utilization low. Another strategy is to dispute any errors on your credit report. Finally, consider working with a credit counselor or financial advisor who can help you develop a plan to improve your credit score.

Find Programs from Truck Dealers or Lenders

Many truck dealers and lenders offer programs specifically designed for buyers with challenged credit. These programs may have higher interest rates, but they can still provide financing options for purchasing a used commercial truck. Be sure to research and compare the different programs available to find the best fit for your financial situation.

Buy An Affordable Used Commercial Truck

When purchasing a used commercial truck, it’s essential to consider the cost of ownership beyond the purchase price. Look for a truck that is in good condition and has a reasonable number of miles. Consider factors such as fuel efficiency, maintenance costs, and insurance rates to ensure that you can afford to operate and maintain the truck.

Buy Used Commercial Trucks at C&M Motors

If you’re looking to buy a used commercial truck, C&M Motors is a great place to start your search.  At C&M Motors, all of our used commercial trucks undergo a rigorous inspection process before they’re put up for sale. This means that you can have peace of mind knowing that the truck you purchase is in good condition and ready to work for you.

One of the benefits of buying a used commercial truck from C&M Motors is the variety of financing options available. We will work with you to get you in the truck you need with the best terms possible. Contact us to learn more and shop our used commercial trucks.

Why Buying Used Commercial Trucks is a Good Business Decision

Why Buying Used Commercial Trucks is a Good Business Decision

Buying a truck is one of the first and most important investments you will make for your business. The right truck can help you transport cargo, personnel, and other items to your clients and customers. The wrong truck can be a financial burden that you will regret for years to come. For this reason, many businesses opt for used trucks to take advantage of cost savings and reliability. Here’s why opting for used commercial trucks is such a good choice for your business.


The Benefits of Used Trucks

Your decision to buy a used truck comes with many benefits for your business:


Cost Savings

Of course, used commercial trucks will cost less than new trucks, saving you both on the upfront purchase price and on long-term costs such as fuel and maintenance. By choosing a used truck, you can invest in a reliable vehicle without having to pay the higher prices associated with new models.


Truck Availability

The availability of used trucks is much higher than that of new trucks. This means you have more options to choose from and can find a used truck that fits your needs and budget. Plus, you can often find a used truck that is in great condition and has been well-maintained.


A Global Supply Issue

The COVID-19 pandemic has affected many businesses, including those in the commercial trucking industry. Many businesses are now looking at used trucks as an affordable and reliable option for their business. With the world in an uncertain state, buying used trucks is a great way to save money and secure reliable transportation for your business. The supply of trucks and backlogs at manufacturers has meant wait times are much longer than usual as well. The best way to get around this issue is to buy a used commercial truck and get delivery of your truck immediately.


Considerations When Buying Used Commercial Trucks

Before investing in a used truck, there are some important factors to consider. First, make sure to research the truck’s history and condition. You’ll want to know the mileage, any accidents it may have been in, and any service or repair records. You should also have the truck inspected by a qualified mechanic to ensure it is safe and reliable. Finally, make sure the truck is the right size and has the features you need for your business.


Find the Best Used Commercial Trucks and Advice at C&M Motors

If you’re in the market for a used commercial truck, it’s time to visit C&M Motors. We specialize in used commercial trucks and can provide you with the best selection and advice to help you find the perfect truck for your business. Visit us online today to learn more and shop our selection of used commercial trucks or request a quote.

The Most Interesting Facts You Should Know About Box Trucks

The Most Interesting Facts You Should Know About Box Trucks

There are many interesting facts about box trucks that you may not know. For instance, did you know that the Federal Motor Carriers Safety Administration (FMCSA) is in charge of regulating these types of trucks? Let’s take a look at some of the most interesting facts about these vehicles, whether you’re just browsing, or shopping for used Hino trucks for sale.

The Governing Regulatory Authority for Box Trucks

The Federal Motor Carriers Safety Administration (FMCSA) is the main regulatory body for box trucks. They are responsible for making sure that all safety requirements are met, as well as issuing permits and setting standards for box truck design and use. The FMCSA is also in charge of investigating accidents involving commercial vehicles – including box trucks.

Some of the additional regulations regarding commercial vehicles – including box trucks – include:

– All drivers must have a valid driver’s license

– The vehicle must be registered and insured

– The vehicle must pass a safety inspection

– The driver must obey all traffic laws

There are also special rules that apply to commercial vehicles when they are carrying hazardous materials.

Box Truck Design and Regulations (Size, Weight, and More)

Box trucks come in a variety of sizes and designs. The size and weight limit for a box truck is determined by the gross vehicle weight rating (GVWR). The GVWR is the maximum permissible weight of the truck, including the body, passengers, cargo, and fuel. Box trucks typically have a GVWR between 14,000 and 26,000 pounds.

Truck Box Sizes

The size of the box on a box truck can vary greatly. They can be as small as 12 feet long and six feet wide – or as large as 28 feet long and eight feet wide. The size of the box will determine how much cargo the truck can carry.

The Many Uses of Box Trucks

Box trucks are used for a variety of purposes. They are often used to move household goods or to deliver large items that won’t fit in a smaller vehicle. Box trucks can also be used for commercial purposes, such as delivering food or other products.

Find the Best Quality Used Hino Trucks for Sale From C&M Motors

If you’re looking for used Hino trucks for sale, look no further than C&M Motors. Contact us today to learn more about our used Hino trucks for sale, or browse our selection online to get a quote!

Tips for Buying Used Commercial Trucks

Tips for Buying Used Commercial Trucks

Tips for Buying Used Commercial Trucks

New trucks are very hard to come by right now. With the chip shortage and supply chain issues, commercial truck orders continue to be pushed out. The short-term solution, buy used and buy well. Here are some tips for making the most of that purchase.

Buying a Used Commercial Truck

The starting point should be a clear understanding of the important features that truck needs to have.

  • What is the intended job for this truck?
  • What size engine does it need? Will it be transporting large, heavy items?
  • What configuration is needed? Does it need to seat just the driver or have room for additional team members (extended cab)?
  • Will it be transporting temperature sensitive items? Does it need a reefer unit?
  • Does it need any special racking, liftgates, etc.?

The next most important consideration is cost.

  • What can your business afford?
  • Is there a budget?
  • Will you need financing for your purchase?
  • How much of a down payment will you make?
  • What length of financing term will you need to make the payments affordable?

The next question to consider is how urgent the truck purchase is. Once you have decided the level of importance, you can decide how much time you have to shop around.

  • Is this truck essential to your business?
  • Are you behind on deliveries?
  • Is this truck needed for your growth?

Finally, and most importantly, is assurances that what you are buying has been well cared for. A history check on accidents, maintenance, upgrades, etc. will give you a sense of the truck’s overall condition.

A great way to purchase a sound commercial truck is to work with a reputable dealer who can acquire the right truck for you, check out all aspects of the truck, make any necessary repairs, add those important accessories, and support you for the life of the vehicle.

Why C&M Motors

C&M Motors is a locally owned and operated family business serving the greater San Diego area since 1982. With 2 locations to serve you (National City and Vista), we offer a more personalized experience and customized services to meet your business needs. Contact us if you are looking for a used commercial truck. Have all your truck buying details in hand and let us do the leg work. We will make sure you get a great workhorse that will last you for many years.

Give us a call to learn more.

C&M Motors Inc

(800) 736-3443

Used Truck Purchase Checklist | C&M Motors

Used Truck Purchase Checklist | C&M Motors

When it comes to buying a used commercial truck, there’s lots to be prepared for. You’ll likely need to spend several hours researching what’s available, comparing prices and features, and determining which truck will meet your specific needs. In order to further narrow down your search, you’ll also need to factor in the inevitable costs that come with purchasing a used vehicle so you can budget accordingly and receive the most value.

Things to Remember When Purchasing a Used Commercial Truck

Here is a used truck purchase checklist along with some important tips for buying used commercial trucks that will help guide you through the process.

As you go through the process of purchasing your next used truck, follow this checklist as a used truck buyer guide:

  • Make a list of your trucking requirements
  • Know your budget or price range you feel comfortable with
  • Narrow down your search to a few potential options
  • Investigate and assess the truck’s history and current condition
  • Determine appropriate financing and insurance options

By following this simple used truck purchase checklist, you can better prepare yourself to find the right one and make a smarter investment.

1. Review the maintenance history

If you’ve determined there are no glaring problems with why the truck has come onto the market in the first place, then you’ll want to do your due diligence. Check out the truck’s maintenance records. Has the truck received regular service and maintenance? Having a better idea of the overall history of the truck can help prepare you for what’s to come should you purchase it.

2. Research the models track record

Another important factor in buying used commercial trucks is the model in question. Certain engine models have a known history of chronic problems. Some trucks are also known to wear out after a certain period of time or mileage reached. Do your research online about the best engine models before committing to your next used truck.

3. Select the best engine, transmission, and axle layout

Consider the type of axle layouts and configurations that are available. Depending on the load you’re carrying, power requirements, transmission options and axle configurations can make all the difference. There are different layouts that are more appropriate for each scenario:

  • Are you hauling goods long distances throughout difficult terrain?
  • Or are you making shorter more frequent trips?

4. Explore financing

As you get closer to narrowing down your next used truck, it’s important to research the available financing options. Certain lenders operate on different criteria when it comes to providing financing plans. Certain types of used commercial trucks may not be eligible for financing with certain lenders. Sometimes financing approval is subject to official inspection. If the truck doesn’t meet certain requirements, then financing may not be an option.

5. Extended warranty

Ask about the dealership’s warranty. Often dealerships offer extended warranties on trucks. If available, extended warranty coverage can alleviate some of the financial burden associated with purchasing a used truck and offer some piece of mind. But be aware that depending on the plan, the cost of extended warranties may not be worth it.

Contact C&M Motors Today!

At C&M Motors, we want you to have the best new or used truck buying experience. We offer financing and extended warranties all designed to make ownership easy and affordable. Contact us to learn more.

C&M Motors Inc

(800) 736-3443

5 Tips When Purchasing a Used Commercial Truck

5 Tips When Purchasing a Used Commercial Truck

When you’re in the market to purchase a pre-owned commercial truck, there are a million things to consider. While it’s an exciting process, knowing what factors that make the biggest difference will help you make the right choice for your business.

Age and Mileage

Always start here. At the very least, you want to consider the age of the used truck along with its mileage, which can be a good indicator of the truck’s condition. Although you might find a relatively new truck, it could have higher mileage and thus as less attractive purchase than a slightly older truck with less mileage. An older, used commercial truck that has been well maintained can be a smart buy.

Consider Your Application

You will want to ask yourself, is the right vehicle for my application? For example, if your business operates cross-country routes and racking up a lot of miles, you will need a rig that supports delivers higher fuel economy. If local deliveries are your core, you might need a truck with higher capacity axles and suspensions to support your loads.


This is a major consideration when buying a used truck. Is the truck still under factory warranty? If so, for how long? If not, what type of used truck warranty can you purchase? A used commercial truck is a complex piece of machinery and can be expensive to repair, so you’ll want to be sure that you are covered for any unexpected events, at least for a year. These are all factors to consider when looking at your used truck warranty options. Comprehensive warranty coverage may seem like a large upfront cost, but it can save your company from costly setbacks and down-time in the future. C&M Motors has warranty plans that offers you piece of mind when purchasing a used commercial truck.

Previous Owner and Maintenance History

Used commercial trucks have a history. They belonged to someone else for a period of time, so it is important to find out how well they were cared for. The last thing you want to do is inherit maintenance issues due to improper care by the previous owner. Ideally, you’ll purchase a vehicle that came from a well-known fleet with a reputation for good truck maintenance. Without insight into the past, the future is unpredictable, and that isn’t a chance you want to take on your vehicle.

Finding the Right Dealer

Purchasing pre-owned commercial trucks from a reputable dealer is vital. This is because reputable dealers put their vehicles through rigorous inspections to ensure nothing drives off of their lot with issues that could have been detected before the purchase. Reputable dealers also have more comprehensive warranties, better financing and used truck leasing options. Finally, offering solid aftersales support really differentiates the best used truck dealers from others. Purchasing your truck is hopefully, the first transaction in a mutually beneficial relationship between you and your used truck dealer. Look for a used truck salesperson that can be like a business partner to you, offering critical guidance, expertise, and support as you start your new trucking business. C&M Motors fully inspects every used truck we offer to ensure you get the best value and years of service from your truck.

C&M Motors Has the Commercial Used Trucks You Need

Contact us to learn more about our used commercial trucks and how they can be customized to fit your business needs.


C&M Motors Inc

(800) 736-3443

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