Used Trucks
Used tow truck financing
The right used truck earns just like a new one at a fraction of the price. Used and higher-mileage tow trucks financed from dealers or private sellers, across every credit profile.
- High-mileage units OK
- Private-party purchases
- Every credit profile
- Terms up to 72 months
Updated September 15, 2026
Can I finance a used or high-mileage tow truck?
Yes. Avanti finances used and higher-mileage tow trucks from both dealers and private sellers, across every credit profile. Sub-600 credit generally needs 2017-or-newer equipment plus a down payment, while stronger credit opens up older units. Decisions come in as little as 24 hours from a quick pre-qualification.
Why finance with Avanti
Most tow trucks on the road were bought used. The math just works better. But plenty of lenders won't touch high mileage or a private-party sale, which is exactly where the good deals are. Used units are financed here every day, from dealers or individual sellers, with terms up to 72 months. One honest caveat: challenged credit typically pairs with 2017-or-newer equipment, and you'll know exactly where you stand before you put a deposit on a truck.
At a glance
- Amounts
- $20K – $500K+
- Terms
- Up to 72 months
- Credit
- A-paper to challenged
- Seller
- Dealer or private party
How it works
Pick your equipment
Choose the truck or machine you need, from a dealer or a private seller, new or used.
Apply in minutes
A short application and the equipment details. We review your credit to pre-qualify, usually in just a few minutes.
Get a decision
Decisions come back in as little as 24 hours, with terms matched to your credit and time in business.
Get funded
Sign, and we coordinate funding, usually within a few days, so your equipment can get to work.
Used tow truck financing at a glance
The program, stated plainly: what qualifies, what it takes, and what to expect.
| Equipment financed | Used and higher-mileage rollbacks, wreckers and rotators. There is no blanket mileage cutoff. The truck's age, the amount and your credit set the term. |
|---|---|
| Where you can buy | Dealers, auctions and private sellers. A private-party purchase gets the same terms as a dealer deal. The title, any lien payoff and direct payment to the seller are handled for you. |
| Credit profiles | Every profile, from A-paper to challenged credit, thin credit, past (discharged) bankruptcy, and startups under two years in business. |
| Amounts and terms | $20,000 to $500,000+ with terms up to 72 months. |
| Down payment | Strong credit and time in business can mean $0 down. Challenged credit (under 600) typically pairs with 30–40% down and 2017-or-newer equipment. Owned, titled equipment can be pledged to lower the cash at closing, and you'll know the number before you put a deposit on anything. |
| Paperwork | App-only programs with no tax returns on many deals under $300,000. Over $300,000, plan on a financial package: two years of tax returns, a balance sheet, a P&L and bank statements. Bank statements are asked for on smaller deals only when the credit profile calls for them. |
| Decision and funding | Decisions in as little as 24 hours from a short online application. Avanti coordinates funding through its lending partners, paid directly to the seller, usually within a few days, for businesses in 49 states, fully remote. |
Frequently asked questions
Is there a mileage cutoff on used tow trucks?
There's no blanket mileage cutoff. Higher-mileage units are financed regularly. The truck's age, the amount financed, and your credit profile set the term.
Can I finance a used tow truck from a private seller?
Yes, with the same terms as a dealer purchase. We handle the payoff and title logistics as part of funding, and coordinate direct payment to the seller.
Does challenged credit limit which used trucks I can buy?
Typically yes. Sub-600 profiles generally need 2017-or-newer equipment plus a down payment. Stronger credit opens up older units.
How do I get started?
Pre-qualify in about 3 minutes and you'll have a decision in as little as 24 hours.
Related financing
- Tow truck financingNew, used or high-mileage rollbacks, wreckers, rotators and integrated units.
- Rollback tow truck financingFlatbed and rollback carriers financed for owner-operators and fleets.
- Wrecker financingLight and medium-duty integrated, wheel-lift and self-loader wreckers, new or used.
- Rotator tow truck financingHeavy recovery rotators, financed with terms built around recovery work.
Read more on this
- 5 min read5 Questions to Ask Before You Finance Your Next Tow TruckBefore you sign on a wrecker or rollback, run through these five questions to protect your cash flow and get terms that actually fit a towing business.Read →
- 5 min readBuying Used Equipment? What to Check Before You Finance ItUsed trucks and machines can be a smart buy, if you check the right things first. Here's how to protect yourself and get financeable terms on used equipment.Read →
- 5 min readNew vs. Used Equipment: Which Makes Sense for Your Business?New equipment buys you warranty and the longest terms; used buys you a lower price and faster payback. Here's how to decide which is right for you.Read →