Two questions. Loans and IDO/O question..

I have been with this company leasing a truck and they gave me a danm fine good deal with it 2018 cascadia freightliner 125 inch with moose bumper and only 330k miles on it for 75k extended warranty until 500k very well maintained. I'm now at 55k left on it but I want to refinance it so its in the banks name and not the companys name incase it does not work out here.. Any banks or websites anybody would suggest for me to have the bank purchase the truck and I finance the rest through them? Also for those that are Independent...how do you look up the brokers and do a credit check and all that stuff before booking a load with them to lower the risk in them potentially being a bad one? Thank you very much for any information!

 

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I have no debt or expenses either. Only problem is I have only 1 year and 6 months of credit history. But, I am willing to also put down some money if need be