Can I finance a commercial bus as a startup or first-time buyer?

Yes. CFF provides first-time buyer and startup programs in all 50 states.

What credit score is needed to finance a bus?

A minimum of 620 FICO or a 640 PayNet score is typically required.

How much down payment is required for a commercial bus loan?

Strong credits typically require 0% to 5% down; challenged credits generally start at 20% down.

What documents do I need to get approved?

Simply a completed credit application and a vehicle Sales Order.

Financing Partner

Commercial Bus Financing Powered by CFF

Application-only approvals up to $1,000,000, nationwide coverage, and programs built for startups and first-time buyers.

Program highlights

Application-Only Limit: Up to $1,000,000 for strong credit
Minimum Credit Score: 620 FICO / 640 PayNet
Down Payment: 0% to 5% for top credit | 20%+ for challenged credit
Eligibility: Serves all 50 states; accepts startups & first-time buyers
Documents Needed: Credit Application + Sales Order

About Commercial Fleet Financing

Founded in 1995, CFF is the nation's most trusted independently owned commercial equipment finance company.

All Bus Charter Sales refers qualified buyers to CFF. Rates, terms, down payment requirements, vehicle eligibility, credit inquiries and approvals are established exclusively by the financing provider. All Bus Charter Sales does not underwrite loans or set rates.