The best way to buy a truck with bad credit is with the many competitive online auto loan lenders. If you are looking to get a loan for new or used trucks, most local dealerships will either request you put a bigger down payment or charge very high APR due to your low FICO credit score. A little known secret is that these online truck loans are pre-approved but you can choose not to use them in the end if the truck lots offer to cut you a better deal instead. By making these online and offline lenders compete for your business, you can get cheaper commercial truck financing despite bad credit.