One way is to look at small independent stores. You are ready for their own newspaper, which means they will dump financing instead of the bank to make. They are your monthly payments directly to them. You may have a relationship with them when shopping or buying an old truck of them. This could be for them a comfort level on your character and ability to repay. What about the person you work? You can guarantee you and the dealer can provide the incentive to work around your credit problems. This scenario is unique, but they exist.
Maybe you currently rent a truck rental company. They may be willing to provide financing for trucks to dump your payment history. Your timely payments can raise your credibility and made them reluctant to lend you money. You may even be that your rent paid on the sale price. This is more common than you think.
Of course there is always a guarantee. Most banks will finance if you offer a good, strong co-signatories. This can lead to a parent, relative or friend willing to share his name on the documents with you.
And finally, there are companies with poor credit additional guarantees for the loan guarantee. If you have another truck that is free and clear, or own real estate, stocks, you are able to avoid it, your bad credit problems. The company will decide how the amount of equity based on your property or the value of the additional guarantee that you promise to be approved. Most of these companies have a niche they specialize in. This ensures lenders that specialize in financing the dumper, tractor trucks, financing and other financing heavy equipment is a good alternative for those with less than perfect credit.