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Nothing to the lender, everything to the operator. If you operate a commercial vehicle in Ontario, you must have a valid CVOR certificate. A truck plated in Ontario needs one when its registered gross weight or actual weight is over 4,500 kg. The programme monitors and evaluates operators' safety records. Get the certificate in order before the truck is delivered, because the lender's payout does not wait for it.
Five lenders in our network, all reached by one application. Amounts run from $5,000 to $50 million, and rates start at 5.5%. Three lenders pay out within 24 hours, four within two days, and all five within a week.
| Lenders | |
|---|---|
| Finance trucks in Ontario | 5 |
| Lowest published rate | 5.5% |
| Pay out within 24 hours | 3 |
| Pay out within two days | 4 |
| Consider poor credit | 5 |
| Revenue minimums | $8,333 or $10,000 a month |
| Time in business | 6, 12 or 24 months |
Published lender terms, checked August 2026.
Less than you would think. All five consider poor credit. What they want is six, twelve or 24 months in business, and $8,333 or $10,000 a month coming in. A fleet with two years of trading gets the widest choice. A new owner-operator with six months and a bank history can still get financed. Our application goes to the lender most likely to approve the amount you enter.
A GST/HST registrant recovers the tax paid on purchases for its commercial activities by claiming input tax credits. In Ontario that is the 13% HST on the truck, claimed back on the next return, so finance the full price and expect the credit later. BC truck buyers have their own page: truck loans in British Columbia. Business lenders for the province are on the business loans in Ontario page.
Reviewed by Vlad Sherbatov, Co-Founder and President, Smarter Loans, 13 October 2026. Lender terms checked August 2026.
The lender does not ask for it. You need a valid CVOR certificate to operate a commercial vehicle in Ontario, and a truck over 4,500 kg plated in Ontario needs one.
Five lenders in our network do, from $5,000 to $50 million at rates from 5.5%. Three pay out within 24 hours.
Yes. All five lenders consider poor credit and look at time in business and revenue instead.
Lenders want $8,333 or $10,000 a month, depending on the lender, with six, twelve or 24 months in business.
Yes, if you are a GST/HST registrant. You recover the HST paid on the truck by claiming an input tax credit on your return.
