In-house financing for RCI Trucks.

National Truck Finance is the captive finance company of RCI Trucks. We finance select trucks from RCI Trucks inventory directly, with no outside bank in the middle.

Apply for Financing

Financing made by the people who sell the truck

Captive financing

NTF is the in-house financing arm of RCI Trucks, so approval and truck sale come from one team.

Flexible approvals

Credit challenges are welcome. Tell us your situation when you apply.

Simple process

Fill out one credit application and our team will contact you about terms for the truck you choose.

Why Drivers Choose NTF

Your credit score won't shut the door

A low credit score will not disqualify you.

We back drivers who can earn

We care most about your ability to earn a high income with the truck, plus your experience and references.

Rates far below typical subprime lenders

Our rates are often less than half of what other subprime lenders charge.

No balloon payment

Our contracts never end with a balloon payment.

Pay it off any time

Pay off your contract at any time with no penalty or fees.

Subject to credit approval. Terms vary.

Featured Trucks

Select inventory from RCI Trucks, available with NTF financing. Click any truck for photos and details. Updated 2026-10-23 09:00 UTC.

RCI Trucks specializes in International LT sleepers, Cummins powered. Our trucks are low-mileage, one-owner, fleet-maintained units, chosen to give you the best value on the market. Other options may be available.

See All Inventory at RCI Trucks

Excellent credit? We shop the best rates for you.

Strong credit opens more doors. In addition to our in-house programs, we work with outside lenders to find low-interest financing for qualified buyers. We shop the market to get you the very best rates and terms.

Subject to credit approval.

Contact Us

Prefer to pay cash?

Every truck on this site can be purchased outright. Contact us for a cash price and we'll walk you through the quick, simple process.

Contact Us

Contact

Phone: 1.800.875.9460
Email: sales@rcitrucks.com

Start Your Credit Application