Wreckers

Wrecker tow truck financing

The boom-and-wheel-lift truck that runs the accident calls, the impound lot and the repo work. Light- and medium-duty wreckers financed new or used, dealer or private seller, across every credit profile.

Integrated, wheel-lift & self-loaders
Light & medium duty
Dealer & private-party purchases
Terms up to 72 months

Apply now Call 617-843-5612

Updated September 15, 2026

How do I finance a wrecker tow truck?

Avanti Equipment Finance finances integrated, wheel-lift and self-loader light- and medium-duty wreckers, new, used, or higher-mileage, from a dealer or a private seller, for every credit profile including first-truck buyers. Amounts run $20K to $500K+ with terms up to 72 months, app-only programs skip the tax returns on many deals, and decisions can come in as little as 24 hours after a quick pre-qualification. Heavy-duty wreckers and rotators are financed with structures built for larger tickets.

10+

Years of founder experience

24-hr

Fastest decisions

States served

72-mo

Terms available

Why finance with Avanti

A wrecker does the work a rollback can't: quick hookups on a live roadway, tight recoveries, the vehicle that has to be dragged before it can be carried, and the fast-turnaround impound and repossession jobs where an integrated wheel-lift earns its keep. For most operations it's the second truck, the one that lets a rollback and a wrecker between them cover nearly everything that comes in, and for plenty of repo, impound and motor-club outfits it's the first. Light- and medium-duty wreckers are financed here every day, new or used, from a dealer or a private seller, on the same terms as every other tow truck: every credit profile considered, terms up to 72 months, app-only programs that skip the tax returns on many deals, and a decision in as little as 24 hours. Strong credit can mean $0 down; challenged credit usually means a down payment and a 2017-or-newer truck, and you'll know that number before you put a deposit on anything. Heavy-duty wreckers and rotators are a different purchase with a different structure. They have their own page.

At a glance

Amounts: $20K – $500K+
Terms: Up to 72 months
Credit: A-paper to challenged
Equipment: New & used

Which wreckers we finance

Any light- or medium-duty wrecker built for towing and recovery, on a Class 4 through Class 7 chassis:

Integrated wreckers: the boom and wheel-lift built into one body
Wheel-lift and self-loader units, including the repo-style trucks with the in-cab controls
Conventional boom wreckers with a separate wheel-lift
New units from a dealer, and used or higher-mileage trucks from a dealer or a private seller

What affects your wrecker down payment?

Your credit, time in business, purchase amount, and the truck itself all matter. A repo or impound outfit with a year of deposits looks different from a startup buying its first truck, and the structure follows the file.

For example, 20% down on an $85,000 wrecker is $17,000, leaving $68,000 to finance before any taxes or fees. That is a budgeting example, not an approval or a required down payment. Your actual terms come after review, and equipment you already own can be pledged to lower the cash at closing.

What to send us about a used wrecker

A listing or invoice lets us review the actual truck instead of a price alone. Have these details ready:

Year, make, model, VIN, and asking price
Mileage, plus the wrecker body's make, boom rating and wheel-lift capacity
Dealer or private seller's name and contact information
Known condition issues on the hydraulics, winches and controls, and any maintenance records
The down payment you have available and your business start date

Documents depend on your application

You can start with a short application and the equipment details. We will let you know what supporting documents your profile requires. If bank statements are requested, provide:

Last 3 months of business bank statements: all pages, PDF downloads from online banking (no photos or partial pages)

See the application document checklist

Compare the payment before choosing a truck

Use the calculator to compare the amount financed, available down payment, and repayment term. A longer term can lower the monthly payment, but it can also increase the total financing cost. Terms up to 72 months are available, subject to the truck and your profile.

Leave room for insurance, fuel, maintenance, and downtime alongside the truck payment. An estimate helps you budget; it does not replace a credit-based pre-qualification.

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.

Start your application

Wrecker financing at a glance

The program, stated plainly: what qualifies, what it takes, and what to expect.

Wrecker financing at a glance
Equipment financed	New, used and higher-mileage light- and medium-duty wreckers: integrated, wheel-lift and self-loader units. The term is set by the unit's age and the amount, not a blanket cutoff.
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

What is the difference between a wrecker and a rollback?

A rollback carries the vehicle on a tilting flatbed; a wrecker lifts one end with a boom or a wheel-lift and tows it on its own wheels. Wreckers are faster to hook and better in tight spots, which is why they run the accident, impound and repossession work. Both are financed here on the same terms.

Do you finance light-duty and medium-duty wreckers?

Yes. Integrated wreckers, wheel-lift and self-loader units on light- and medium-duty chassis, new or used, from a dealer or a private seller. Heavy-duty wreckers and rotators are financed too, with structures built for larger tickets; see the rotator and heavy wrecker page.

Can I finance a wrecker as a new business or with challenged credit?

Yes. First-truck buyers and challenged credit are considered. The down payment scales with your credit: strong credit can mean $0 down up to $50k, while tougher credit typically means 20–40% down on a 2017-or-newer unit. You'll get the exact figure for your profile before you commit to a truck.

Can I finance a used wrecker from a private seller?

Yes, with the same terms as a dealer purchase. Send the truck details and the seller's contact information; we verify the truck and the seller, coordinate any existing lien payoff, handle the title, and coordinate direct payment to the seller.

How fast can I get a decision on a wrecker?

Decisions come in as little as 24 hours on a 3-minute application, starting with a quick credit-based pre-qualification, and we coordinate funding with the seller within a few days of signing.