Car & Truck Rental Fleet Financing
The strategic financing partner for rental operators who need to move fast.
Most lenders avoid the car rental industry. United Leasing & Finance doesn’t. We’re a strategic financing partner for revenue-producing vehicles — and we’ve been financing car and truck rental fleets since 1964. We also know the rental business from the inside: we owned and operated a rental company with 32 locations across five states. That means we understand your revenue model, your seasonality, and why fleet timing matters. We structure financing around how your vehicles perform, not how a bank’s underwriting checklist works.
Fleet Vehicle Financing for Car & Truck Rental Operators
We finance the revenue-producing vehicles your rental business depends on — preserving your capital so you can act when the right vehicles are available.
Types of Rental Cars We Finance
Sedans | SUVs | Passenger Vans | Luxury Vehicles (no exotics)
Types of Rental Trucks We Finance
Box Trucks | Cargo Vans | Pickup Trucks
Why Car Rental Operators Choose United for Fleet Financing
Deep Industry Experience
With 60+ years of experience financing revenue-producing vehicles — and firsthand experience operating a car rental business — we understand the deal structures, seasonality, and fleet cycles that most lenders don't.
Rental-Specific Structures
Seasonal payments, step-up structures, balloon payments, and revolving credit facilities — structured around how your rental fleet actually generates revenue, not a bank template.
Factory Order Financing
We finance factory-ordered vehicles from order through delivery, so you can acquire the exact fleet you need without waiting or depleting working capital.
Creative Structuring
Flexible terms and payment options designed to align with rental revenue, fleet turnover, and seasonal demand.
100% Vehicle Financing
Unlike many banks, we can finance the full cost of your fleet vehicles — no large down payment required, preserving capital for operations.
Fast Approvals. One Contact.
Decisions in days, not weeks. One dedicated financing representative who knows your account and can move when you need to.
Common Questions for Car Rental Financing
Yes. We offer 100% vehicle financing, meaning we can cover the full cost of your fleet vehicles without requiring a large down payment. This preserves your working capital for operations, maintenance, and growth.
Yes. We can finance factory orders from order placement through delivery, allowing you to acquire vehicles to your exact specifications without tying up capital during the wait period.
We offer seasonal payment schedules, step-up structures, & balloon payments — all designed to align with the cash flow patterns of car and truck rental businesses.
Your business must have been operating for at least two years with a minimum credit score of 675. You'll need recent personal and business tax returns, personal financial statements, and business bank statements.
Yes. While we specialize in car and truck rental fleet financing, ULF also finances equipment across a wide range of industries including equipment rental, fitness, ground transportation, construction, and more.