With the down market I feel like it is time to take the next step. I have been leasing for a little while now and am comfortable that this is the way I want to go. With the market being the way it is truck prices are still low. So I think now is a decent time to buy. This is the basis for my question.

A few years ago I owend a Auto Repair business. That went belly up and I ended up filing bankruptcy. Of course that is discharged. But this means I need a lender who is willing to do higher risk loans. I am not looking for a new truck just basic entry level equipment. I train drivers so my needs are simple, double bunk and 10 spd trans. A nice truck of course would be nice but hey practical comes first. I am paying $1250 a month for my lease truck now and find that payment range to be comfortable. Of course we all know for the same money I could buy a nicer unit than I will ever get in a lease. So does anyone have any suggestions on dealers or lenders I may look into?

As far as a down payment goes I will offer what I need to. I prefer to offer as little as I can and keep my payments low. I feel I would be better served to save some cash for repairs, breakdowns, payments in bad times and so on. So yes I do have down money but I dont want to give all that I have either.

as far as truck finance goes the only ones that come to mind that will work with you at all is freightliner ot arrow truck sales, now in my opinion arrow is buy far the best , they own the bank and arrow in houston has some pretty nice trucks, the way the market is now dont no of anyone else, but in this market beware of the thieves when time get bad they come out like #### roaches.

best of luck.--southernpride