Navigation Menu

Billboard Title

Billboard subtitle

Commercial Truck

Commercial Vehicle Financing

Drive business growth with commercial vehicle financing from Santander. Our industry specialists know the market, the vendors, and the vehicles. Take advantage of our extensive experience and ask us to create a customized commercial vehicle financing solution for you.

50 Years Experience Calendar

50+ Years’ Financing Experience

For Independent Leasing Companies

Commercial Tow Truck

Leading Financing Source for Income-Producing Vehicles

Towing & Recovery Equipment Commercial Vehicles
Cell Phone and Computer Screen

Municipal Financing for Essential-Use Equipment

Pupil Transportation, Emergency and Public Safety Vehicles, Communications Equipment

Choose the Right Program to Meet Your Need

  • Vehicle Funding
  • Commercial Vehicle Finance
  • Affinity Vehicle Finance
  • Heavy-Duty Truck Finance
  • Municipal Lending and Leasing
Commercial Vehicle Funding

Ask about our financing program for independent or dealer-affiliated leasing companies. We offer financing for most vehicles including corporate and government employer fleet vehicles, specialty vehicles, ambulances, tow trucks, and municipal vehicles. Our dedicated staff can help you manage your Santander portfolio while keeping your customer relationships strong.

  • Flexible terms and financing amounts
  • Custom billing to reinforce your brand loyalty
  • Collection and reporting services, including monthly Activity reports, Termination reports, and more
 

Commercial Vehicle Finance

Commercial Vehicle Loans

We offer a range of customized financing for commercial vehicles, including tow trucks, livery, and school buses.

  • New and used vehicles (available to qualified applicants*)
  • Financing terms from 24 to 120 months
  • Flexible payment schedules
  • Easy application process for financing requests up to $500,000
  • Financing available for requests from $50,000 to $10,000,000
  • Fast credit decisions — usually within 1 business day
  • Easy document signing via DocuSign
  • Customer portal for easy payments 24/7
  • Santander Credit Card Processing Program
Apply Now

Areas of Focus

Towing and recovery

Commercial school bus contractors

Limousine and for-hire

 

Paratransit, wheelchair vans, and ambulances

Pavement, sweepers, and vacuum trucks

 

Affinity Vehicle Finance

Take advantage of our strategic relationships with the leading names in the industry.

AAA Commercial Affinity Vehicle Finance Program

American Automobile Association (AAA)/Santander Finance Program

Ramp up your business to meet the needs of AAA members with Santander’s exclusive commercial truck financing program, available to service providers of both preferred and primary status.

  • Preferred rates and terms (available to qualified applicants*)
  • New and used vehicles
  • Financing terms from 24 to 120 months
  • Loan amounts from $50,000 to $10,000,000
  • Fast credit decisions—usually within 1 business day
  • Flexible payment plans
  • Payments deducted from AAA ERS account
  • AAA/Santander Credit Card Processing Program
Apply Now

Heavy-Duty Truck Finance

Heavy-Duty Loans

Whether you’re buying, selling, or shopping for a heavy-duty truck, this program is designed for your business. Featuring customized payment plans, extended loan terms, and low rates, Santander’s Heavy-Duty Truck Financing Program can help you expand or upgrade your commercial fleet.

  • Payments designed to meet your company’s budget (available to qualified applicants*)
  • Extended terms up to 120 months
  • Competitive rates
  • Available for new and used vehicles
  • Pre-approvals available for all commercial vehicle financing requests
  • Fast credit decisions — usually withing 1 business day
Apply Now
Municipal Lending and Leasing

Our staff has the expertise to provide flexible financing options for your most challenging budget and procurement issues. From public safety vehicles to school buses, and emergency dispatch systems to technology, Santander's municipal leasing program can help your municipality purchase or lease assets today while managing a more affordable payment over time.

Pre-Apply Now

Get in Touch

Vehicle Funding Group

800-238-4009
 

* Financing available to qualified applicants only. A signed and completed application must be received by Santander Bank, N.A. (“Santander”) before a credit decision can be rendered. All terms, offers, rates, and payment plans are subject to the underwriting and credit rules, policies, guidelines, and criteria of Santander, which are determined by Santander in its sole discretion and are subject to change without notice. The 1 business day 24-hour time frame means 24 business hours when Santander is open and doing business.

The information herein has been provided by Santander for general information purposes. The information herein does not implicate any client, advisory, fiduciary, or professional relationship between you and Santander Bank. Neither Santander nor any other person is, in connection with the information herein, engaged in rendering auditing, accounting, tax, legal, advisory, consulting, or any other professional service or advice. The information should not be considered a substitute for your independent investigation and your sound technical business judgment. You should consult with a professional advisor familiar with your particular factual situation for advice or service concerning any specific matters.

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©  2025 Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. All other trademarks are the property of their respective owners.