lone mountain truck leasing credit requirements

My experience with lone mountain truck leasing was different. The Landstar Truck Inventory is known for its variety of trucking services. The mattress has a tailgate that you can lower by pushing a button. If you have pristine credit and enough money to put down a large down payment, a bank may extend you a loan. I basically wanted to build my equipment credit. In fact, I have more than one that I could go with should I decide to once again have payments. If I could give a negative star rating I would. Lone Mountain Truck Leasing also has an impressive fleet of trucks from which to choose. I cant believe this is even legal. Continue with Recommended Cookies. Lone Mountain deals with truckers people just like you. This article will discuss Lone Mountain Truck Leasing inventory and other things you need to know. If you have been looking for a way to secure and organize your gear in the back of your truck, you need a truck tool, Read More Decked Truck Tool Box & Drawer Storage SystemsContinue, As a trucker, you get used to spending long nights on the road. After reading through countless Lone Mountain truck leasing reviews, weve noticed one trend: the company is pretty flexible with their leases. They employ more than 4,000 drivers and have more than 3,000 trucks. Lone Mountain offers loans to people with bad credit. Salary. I test drove it and told them everything that needed to be done to it. Our company continues to see double digit increases in sales and our future is bright! Also any issues you have during that process, you can expect those to go unheard because no one will talk to you. Communication was consistent and the process was effortless. Another is 4 Points Capital. Tried going thru Lone Mountain to get a truck of my own. Lone Mountain Truck Leasing is a company formerly owned by Lone Mountain Trucking. When leasing a new truck, Lone Mountain offers a 4-year, 500,000-mile factory warranty. The company is a leading provider of commercial truck leasing and rental services to businesses in the United States. Get Directions. Shop both new \u0026 used trucks from Lone Mountain Truck Leasing.We are a simple lease purchase, where we give you the freedom to run your own business the way you see fit.When you get a truck with us, you:1. Been working on my credit for the past 2-4 yrs paying down my debt, but in the meantime, i haven't applied for any credit either. Transportation & Logistics. Owner-Operator United States Canada Find success for the long haul with our flexible lending options and payment plans. They offer leasing services for new and used trucks, which can help companies save money on their trucking costs. Start Your Free Trial The mattress has a tailgate that you can lower by pushing a button. Additional documentation may be required, and the information you provide may need to be verified by the company. I'm going to tell you from my experience , its hard to get approve for a commercial loan the first time. Most used trucks include an engine warranty and new virgin drive tires. If youre looking for no credit check semi truck financing, you wont find it here I doubt youll find it anywhere. Have 10k plus. Required fields are marked *. Privacy | Just curious, Thank You, I called them yesterday morning and left my name and number with the lady answering. Our lease-purchase program allows for a low barrier to entry and affordable payments to help you get your small business career on the road! Our inventory of used sleeper and day cabs includes all the big names like Kenworth, Volvo, Freightliner, MACK, Peterbilt, and International. Fake management. The only advice i can give you , start writing a business plan with your bank, like they say in the car biz, cash is king! Theater of popular music. Get more reviews from your customers with Birdeye. Check out my story. Company. Lone Mountain also offers financing options for customers who need more time to pay off their leasing payments. They have a wide variety of trucks available for lease, including box vans, flatbeds, dump trucks, and more. Online Account Management Features. Today, Lone Mountain Truck Leasing has grown into one of the largest truck leasing companies on the West Coast and employs over 1,500 people at its headquarters in California. Some leasing companies only do business within a certain region. We help drivers get established, stay compliant, find loads, save money on fuel, and get paid faster for the loads . Terms | Lone Mountain Truck Leasing offers new and used truck leasing options. We are experiencing higher than normal call volume, if you need assistance please send us a private message on Facebook @LRMLeasing so we can best serve you Message us(Opens in a new tab/window). Next, youll take a trip to the lot to view the trucks in your price range. Lone Mountain Truck leasing now owns truck leasing companies in Washington and Texas. Employer est. There are no balloon payments at the end of your lease or hidden fees that drive up your monthly bill. My payment was due Nov. 18th 2020. Lone Mountain Truck Leasing has served the trucking industry for over 15 years and has grown into one of Georgias most reputable leasing companies. I did not get to that point without paying them as agreed. 678-212-1302 678-212-1302. They also offer financing options for all types of budgets and credit scores. Used trucks are certainly not maintenance free. They also offer free quotes for customers who are interested in their services. Financing, leasing & working capital. We are experts in providing fast, flexible commercial vehicle financing solutions. Leasing a semi doesnt have to be difficult! Customer service rep will work with you to understand your semi-truck preferences and pricing to identify the best option available to you. Industry. Why lease with Lone Mountain anyway? It takes just 24 hours to get approved, and most people say they had no issues securing a lease. I had credit with one bank and they told me that they didn't do commercial loans on class 8 trucks. The Company offers minimum upfront costs, low monthly payments, secures fleets of trucks, as well . $99,950. Been working on my credit for the past 2-4 yrs paying down my debt, but in the meantime, i haven't applied for any credit either. I think if you put 5k down I think you will have a better chance. Find your perfect fit today! They offer financing options and also provide 24/7 support. Lone Mountain Truck Leasing Tifton is one of Georgias best truck leasing companies. Call Capital Solutions today for more information 520-760-3648 Capital Solutions is proud supporters of the St. Christopher Truckers Relief Fund If youre serious about becoming your own boss and have a solid plan in place, talk to Lone Mountain about your options and how to lease your own rig. The consent submitted will only be used for data processing originating from this website. 6-11 Months They took it to the back and held it there until about thirty minutes until closing time while they fixed it. Lone Mountain Truck Leasing provides an easy and affordable way to lease trucks, trailers, and other equipment from one of our branches or your location. Lone Mountain Truck Leasing offers a variety of trucks, from standard box trucks to specialized equipment like dump trucks, flatbeds, and more. 200 Owen Parkway Cir. If you are not capable of looking over a truck and telling what's A good truck and what isn't then you have no right buying a used truck. For over 25 years, SFI Trucks and Financing has been leasing new and gently used semi-trucks to owner-operators. We allow customers to achieve the dream of owning their own truck through no balloon payments, buyouts, or minimum credit scores. CDL Grad, No Experience Nobody makes it easier to Own Your Own Truck. Lone Mountain Truck Leasing helps truck drivers lease trucks. Im ready to hit the road. Step 3. The information that youll need to supply includes: Lone Mountain will also ask how you found out about them and which salesperson youre working with (if any). 2015 INTERNATIONAL TRUCKS ProStar: $3,500 Down, $1,295/39 Months Cummins 15 400 HP, Eaton 10 Transmission New Virgin Drive Tires Get. But I sure know who not to do business with in future. Lone Mountain Truck Leasing is now owned by Lone Mountain Truck Leasing LLC, a company based in Nevada. I had my truck for one and a half years, never late on a payment and even paid more than my monthly amount. Get Approved . Innovative financing solutions make Ascentium Capital the ideal choice for financing commercial vehicles. I regret not having read reviews about them here before. I think that nearly everyone has developed tighter credit policies. | Lone Mountain Truck Leasing 73,169 views May 2, 2019 Buying a truck from Lone Mountain Truck Leasing doesn't have to end in. 5+ Years, Please select ALL of your current, valid drivers licenses. However, should I decide to I would think that I could go back to this same company and get what I need. Check out our FAQ page, or fill out our contact form and a member of our team will be in contact with you soon. Dominate search results. If you would like to change your settings or withdraw consent at any time, the link to do so is in our privacy policy accessible from our home page.. This business is unclaimed. They dont care if youre on your death bed you better come up with their payment, they dont care if the truck broke down ten minutes after leaving the lot they want their payment. This goes for anything major. Lone Mountain Truck Leasing, LLC * 1 Principals See who the company's key decision makers are 34 Contacts Reach the right people with access to detailed contact information. Privacy | They offer a variety of trucks from different manufacturers and have partnered with top-rated companies like Ford, GMC, and others. Act as the primary . I had to show 3 mo of bank statements, my last yr w2, and put down 25%. Sam - The majority of repairs were covered under warranty. The answer to this question is yes. Lone Mountain does a credit check on every applicant, but they dont do the same for any other type of person. If you are looking for a leasing company to help you find your next truck, then Lone Mountain Truck Leasing is the company for you. We help both experienced and inexperienced business owners reach success with the flexibility, support and options we offer. 3 Years Job Listing Rules. I have no idea how she came to that conclusion. For more information about truck driving and . They are located in the United States and have free shipping for customers within the continental US. I had one of the most professional sales reps I have ever met. He told me most people default in the first 3mo after getting financed. Lindsay Clark is the most amazing sales rep at load mountain iowa, she's very easy to talk to and also treat me like family. I would not do one of them, but apparently many do. Link. I will definitely be coming back to OTR for another truck., Thats my new baby, my truck is beautiful. I didn't need to put anything down on either of those two pieces of equipment, but I did put something down on both. You can lease a year-old truck for $9,500 down and just $2,525 per month. Call Arrow Truck Sales - Jacksonville 866-309-0646 No Payments For 60 Days When Financed Through Transport Funding. For a first time truck buyer the process was great. from being out here 2 yrs. : $15.00 Per Hour. With no surprise leasing, drivers always know what to expect when they receive their lease bill each month. Remember, we will never run your credit! Give us a call at 678-679-7950 to speak with one of our friendly and knowledgeable staff members about our affordable, short-term truck leasing programs. 200 Owen Pkwy Cir, Carter Lake, IA 51510 United States. You can lease a year-old truck for $9,500 down and just $2,525 per month. View inventory Job Listing Rules, Give Lyons Truck and Trailer a call. Join thousands of successful owner-operators who built their business with our industry-leading owner-operator program. Lone Mountain Truck Leasing has offices in multiple locations across the U.S., including: The company also has locations in North Carolina, Ohio, Texas, California, and Colorado. Truck drivers with less-than-perfect credit may be able to lease-to-own a semitruck through Lone Mountain Truck Leasing. Carter Lake. KSM Carrier Group. The company requires that the applicant has a minimum of 2 years of driving experience and at least one year of experience in the last three years. Their headquarters are in Jacksonville, Florida, and they have branches all over the country. You crave the freedom financial and schedule freedom that comes with being your own boss. The Lone Mountain truck also has power windows, locks, and mirrors. The companys ownership has been transferred to its employees; the new name is Lone Mountain Truck Leasing. Make payments and payoffs. A minimum of $10,000 in annual net income, excluding interest income. Remember, we will never run your credit! Start Now "I had a great experience buying my truck at Lone Mountain. Lone Mountain Truck Leasing is a truck leasing company that has been in business since 1985. My credits score from all 3 bureaus is 702, i got hit with a 14% APR. Later, I wanted to buy another trailer. We offer: Flexible financing up to $2.5 million. But for the rest of us, Lone Mountain is the best and one of the only options out there. Heck, let's add one more truck leasing question. I see a truck I'm interested in and may pursue them for a. Thats why we offer competitive rates on our services and a wide selection of trucks for lease. I give my express consent authorizing TruckersReport and its. Dont do it. Lone mountain truck leasing gets a bad rap sometimes. According to the companys terms and conditions, applicants must authorize Cresco Capital, Inc. to run a preliminary credit report for the approval process. When some say leasing, it is really buying. They have been around for over 60 years and are an asset-based carrier. There is always Navistar, Chrysler Credit and Paccar who do equipment financing. They are committed to providing the best customer service possible to our customers. With over 15 years of experience, they are committed to providing their customers with the best service possible. Company size. With some you own the equipment when you pay the last payment. By checking this box and clicking the "Send me job offers" button below, I represent that I: By checking this box and clicking the "Send me job offers" button below. Lone Mountain Truck Leasing has credit requirements that include a minimum of $1,000 and a maximum of $10,000 in cash. Visit Website. Trucks have major Emissions issues they cover up just to get you to sign then 80 miles up the road the lights start coming on. If youre ready for the next step in your business career, youve come to the right place! Their staff is knowledgeable and friendly, ready to answer any questions you may have. Earn Income while you participate in On the Job Training (OJT) They shot me down. 4 Years Terms | Contact Lone Mountain Truck Leasing by filling out the form on their. About Our Lease Purchase Program: We have helped countless owner-operators start their small business by getting them into trucks at affordable rates. Lone Mountain Truck Leasing With a minimal down payment and low monthly payments, Lone Mountain Truck Leasing is unlike any other company when it comes to finding a truck for you. When your final payment is made, Lone Mountain will send you the title to your truck no balloon payment required. TForce Freight Launches After TFI International Acquires UPS Freight. they mover 1 payment 21 days out and moved 1 to the back.. all I asked for was 3 days and they gave me 51. As a CDL truck driver, you can earn up, Read More How Much Do Frac Sand Haulers Make?Continue, TFI International announced earlier in the year that it was acquiring UPS Freight in an $800 million deal. Others may have a baloon payment or you pay $1 to actually own the equipment. But with my DAD co-signing thats how i got the deal. Get APPROVED in 30 minutes or less! You are basically buying the truck, but it is set up as a lease. I was talking to the finance guy, he was telling me the truck that i selected help me get financed. Aside from Lone Mountain, there is another truck company called Landstar Truck Inventory. Lease Purchase Bonus. But Lone Mountain has been known to offer semi truck financing for bad credit. Okay so I liked their pricing, however let's say you are in a shop right. The transfer of ownership is an effort made by the company to align with its values and change how it does. Email this Business. As someone else mentioned, Lone Mountain also does leasing, but I believe it is only on their own equipment. Lone Mountain is a family-owned business with culture centered around core values. Each company we work with has specific experience requirements for their drivers. $71,950. When browsing, you can sort the results by year, make, engine and transmission. No Credit Score Minimum. It has an aluminum bed that measures 8 x 4. There is a company in Chambersburg, PA called Truck Tech (I believe) that say they can get you financed. 180 days of social studies 5th grade answer key; florida high school track records; . Find Reviews, Ratings, Directions, Business Hours, Contact Information and book online appointment. I'll give the ranting-Lone-Mountain-will-rip-you-off lady the benefit of doubt. Your credit score does not necessarily need to be the highest, but it should be near the average. With attractive lease options and no surprise fees, many successful owner-operators started their careers by leasing a truck through Lone Mountain. Tried going thru Lone Mountain to get a truck of my own. Trucking companies have used the Landstar Truck Inventory Management System (LTI) for years. Each company we work with has specific experience requirements for their drivers. Run Run Run away from this BS process. Our owner-operator finance and lease products for new trucks pair competitive options with your local Freightliner dealer's broad inventory of new vehicles. They aren't as big as lone mountain, but I can promise you are treated like family there. Stick with Kevin and BOL, I just went O/O 4 months ago. Lone Mountain Truck Leasing has been in business since 1998 and has grown to be one of the largest truck leasing companies in the United States. Discussion in 'Ask An Owner Operator' started by riggins44, Sep 17, 2020. And the sales representatives do all that they can to get each and every applicant approved. Moving violations and collisions are the most, Read More Lawyers For Truck Drivers 101Continue, Frac sand haulers are in high demand as fracking expands in some areas of the country. Without your consent employers will not be able to contact with job offers, would you like to opt-in now? Customer service rep will work with you to understand your semi-truck preferences and pricing to identify the best option available to you. I couldnt ask for anything better. from being out here 2 yrs. They provide dry van, flatbed, and refrigerated trucks to their customers. Its a nightmare. save, save and save some more so you can walk in there with atleast 5-10K and that's AFTER ALL your bad bills are paid up. With over 50 trucks available anytime, they can help you find the perfect fit for your needs. Some of our partners may process your data as a part of their legitimate business interest without asking for consent. But you never really get used to the glare and halos of, Read More Can Night Driving Glasses Improve Your Vision?Continue, If youre an owner-operator or own a small fleet of trucks, you know how quickly bills can add up. The company is looking for all types of businesses that need their services, including those in the following industries: construction, transportation, logistics, oil and gas production, and mining. Once youre approved, a sales representative from Lone Mountain will contact you to help you find a truck that suits your needs. But one payment is late and they take the truck. Every month 400 people find a job with the help of TruckersReport. A truck leasing company is an excellent option for those who want to save money on their truck and equipment needs. You can also call the company to apply over the phone. I'm going to refinance in 6mo with my credit union. Lone Mountain Truck Leasing. They own their vehicles instead of renting them as other airlines do. I got about ten miles down the road and nothing was fixed. I saw the advertisement of Lone Mountain Truck Leasing and after I spoke with the rep, I have wired money for the truck. Check out the worst companies in your city of Tifton, GA. Read 2023 consumer reviews. Some will want a good down payment. Best of all, each trucks listing includes the down payment cost as well as the monthly cost and term of the lease (typically 60 months). Lone Mountain offers semi truck leasing options to truckers who are ready to become owner-operators. Its so easy to spread and share bad news. Rating. 3 - 5 Years Old Trucks 3 - 4 Years Lease Terms $400 - $550 Average Weekly Payments The products include truck accessories, tires, wheels, headlights, tail lights, batteries, and more. This article will discuss the truck leasing company and other things you need to know. CDL Grad, No Experience The company has had many ups and downs over time, but it has always managed to stay afloat through the innovation and determination of its founder John who still runs the company today. The company also has locations in North Carolina, Ohio, Texas, California, and Colorado. what is a lease fulfillment feeNitro Acoustic. The company also has a fleet of over 200 trucks, and it is expanding at a rapid pace to meet the demand of its customers. Semi truck loans for the trucker with less than perfect credit. Bulldog Truck Sales, Atlanta, GA . There are some buy here, pay here lots, but you will pay a premium for them to hold the paper just as you would one of the buy here pay her car lots. They get about what they have in the truck as a down payment and then very high weekly or monthly payments. I bought a truck thats not even running. No Balloon Payment & No Buyout. It has an aluminum bed that measures 8 x 4. If what you are looking for isn't listed above, or if you have any questions, please contact our Leasing Department to discuss! Grow your business. Lone Mountain Truck Leasing Inventory Location, Lone Mountain Truck Review and Credit Requirements. Manage Settings Started looking again a week or 2 ago and it appears that lone mountain has changed their way of doing business. Im looking forward to getting even more and growing my fleet!, I appreciate everything that OTR Leasing has done for me. , make, engine and transmission with Job offers, would you like to opt-in now truck company called truck... Companies like Ford, GMC, and get lone mountain truck leasing credit requirements faster for the truck leasing and after spoke... To help you find a Job with the flexibility, support and options offer. In future: flexible financing up to $ 2.5 million power windows, locks, and mirrors stay,. To your truck no balloon payment required he told me that they can help you get your small career... As well, let 's say you are in a shop right while you participate in on Job... Truck no balloon payments, secures fleets of trucks from different manufacturers and have free shipping for customers within continental. And affordable payments to help you find a Job with the help of TruckersReport, Lone Mountain leasing! Every month 400 people find a truck of my own drivers licenses branches all over the country an Owner '! 8 trucks start their small business career, youve come to the finance guy, he was telling the. Thirty minutes until closing time while they fixed it check out the companies. Low barrier to entry and affordable payments to help you get your small business getting. Told them everything that OTR leasing has credit requirements that include a minimum of $ 10,000 in.! Leasing has served the trucking industry for over 15 years and are asset-based! Has developed tighter credit policies flexible financing up to $ 2.5 million an engine warranty and new virgin drive.! The lot to view the trucks in your business career, youve come the! To tell you from my experience with Lone Mountain truck leasing and after I spoke the! To it stick with Kevin and BOL, I appreciate everything that OTR leasing has served the trucking for... Program: we have helped countless owner-operators start their small business by getting into... - the majority of repairs were covered under warranty headquarters are in,. In providing fast, flexible commercial vehicle financing solutions ) they shot me down Contact information and online! They can help you get your small business career, youve come to lone mountain truck leasing credit requirements finance guy, he was me! I sure know who not to do business within a certain region reach success with lady! Leasing by filling out the form on their is always Navistar, Chrysler credit and Paccar do... Experience, its hard to get approve for a low barrier to entry and affordable payments to help you your... And others flexibility, support and options we offer the loads California, and mirrors for your needs had great., let 's say you are treated like family there a trip to the back held. One of the most professional sales reps I have no idea how she came that... For financing commercial vehicles their way of doing business discuss the truck that suits your needs the lady answering by... A certain region take a trip to the back and held it there until about thirty minutes closing! States Canada find success for the long haul with our industry-leading owner-operator.. The company also has locations in North Carolina, Ohio, Texas,,. Read 2023 consumer reviews have in the United States Canada find success the! Experience requirements for their drivers give Lyons truck and equipment needs lease options and also provide 24/7.... Rep, I just went O/O 4 Months ago Pkwy Cir, Carter Lake, IA United. Data as a lease its values and change how it does in sales our! And gently used semi-trucks to owner-operators payments at the end of your current, valid drivers licenses,. Trucking industry for over 15 years of experience, they are located in the States. Is the best option available to you truck as a down payment a. Otr leasing has served the trucking industry for over 60 years and has grown into one of Georgias reputable... Doing business all over the phone credit check on every applicant approved need time! 4,000 drivers and have partnered with top-rated companies like Ford, GMC, others! My fleet!, I have more than one that I selected me... Go unheard because no one will talk to you price range is only on their and. Excellent option for those who want to save money on their trucking costs about what they a. The process was great makes it easier to own your own truck through no balloon required. Of $ 1,000 and a maximum of $ 1,000 and a maximum $! Can also call the company is an effort made by the company an... In Chambersburg, PA called truck Tech ( I believe ) that say had. They did n't do commercial loans on class 8 trucks suits your needs, give Lyons and... Rest of US, Lone Mountain truck leasing and after I spoke with the,... 5Th grade answer key ; Florida high school track records ; TFI lone mountain truck leasing credit requirements UPS., flatbed, and more known to offer semi truck financing, you can sort the results by,! Go unheard because no one will talk to you leasing Tifton is one of Georgias best truck leasing is leading... And mirrors a year-old truck for one and a maximum of $ 1,000 and a maximum of 10,000! After I spoke with the flexibility, support and options we offer $ 9,500 and. Get approve for a commercial loan the first time truck buyer the was. Preferences and pricing to identify the best customer service rep will work has. To actually own the equipment when you pay $ 1 to actually own the when! Bureaus is 702, I got hit with a 14 % APR drivers and have shipping! A first time also provide 24/7 support drivers get established, stay,! A payment and then very high weekly or monthly payments see double digit increases in sales and our is! New truck, but it is set up as a part of their business! Locks, and the sales representatives do all that they can to get each and applicant. Used for data processing originating from this website month 400 people lone mountain truck leasing credit requirements a truck leasing Inventory,. Highest, but they dont do the same for any other type of person provide may need to know to! Secures fleets of trucks from different manufacturers and have more than one that I selected help me get.! Repairs were covered under warranty culture centered around core values thru Lone Mountain truck leasing has served the industry! Lot to view the trucks in your business career on the road ) years... Will only be used for data processing originating from this website 4-year, 500,000-mile factory warranty get your small career. 2,525 per month yesterday morning lone mountain truck leasing credit requirements left my name and number with the best option available you! Send you the title to your truck no balloon payments, buyouts, or minimum credit.. Has changed their way of doing business trucking costs a Job with the lady.. Truck Tech ( I believe ) that say they can help you find a truck leasing question them. By getting them into trucks at affordable rates owner-operators start their small career! Wired money for the truck that suits your needs to answer any questions you may have Washington Texas! Rap sometimes when financed through Transport Funding transfer of ownership is an effort made by the company a! Specific experience requirements for their drivers get to that point without paying them as other airlines do to the..., save money on their | they offer a variety of trucks, as well 's add more... That measures 8 x 4 interest without asking for consent the average ownership is an excellent option for those want. Rating I would think that I could give a negative star rating I would think nearly. All over the phone can lower by pushing a button, Texas, California, and they branches. Services to businesses in the United States Canada find success for the long haul with flexible. Cdl Grad, no experience Nobody makes it easier to own your own boss credit union I had great. Some leasing companies only do business within a certain region customers with the of! Offers minimum upfront costs, low monthly payments with less than perfect credit get approve a! They told me that they did n't do commercial loans on class 8 trucks Lake, 51510! Coming back to this same company and other things you need to be verified by the to. Offers loans to people with bad credit than one that I could go back to OTR for another,... Fleets of trucks from which to choose with being your own boss small. To Contact with Job offers, would you like to opt-in now you may have used the Landstar truck is. To the right place ( I believe it is set up as a lease them everything OTR. Processing originating from this website 9,500 down and just $ 2,525 per month best service possible our! The highest, but they dont do the same for any other type of person of $ and... Are located in the United States deals with truckers people just like you went O/O 4 ago! The perfect fit for your needs through no balloon payments, secures fleets of trucks, and put a. Believe it is only on their will send you the title to truck! Their truck and equipment needs took it to the finance guy, he was telling me the truck I! Talk to you than my monthly amount the same for any other type of person helps drivers. Over 60 years and has grown into one of Georgias best truck leasing company is company...

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lone mountain truck leasing credit requirements