Choose your course
Know the program and training schedule you want before you apply.
CDL Training Financing
CDL training loans and payment options.
The cost of training should not stop a serious career move. We can help you understand the payment options available for your program.
Ask About FinancingAdding a co-borrower is highly recommended to give you the best chance of approval for financing.
A Plan Before You Enroll
Training is an investment. It should feel manageable.
You do not have to figure out tuition alone or pretend the cost is a small decision. Start with the payment pace that fits your household, compare the terms you are offered, and choose only what you can comfortably repay.
Review your options
Compare payment timing, total cost, and the terms of each offer.
Apply with confidence
Ask questions before accepting, especially about payments and fees.
Five Ways to Explore
Financing partners
Each option works differently. Availability, approval, payment amount, fees, and terms are determined by the provider and your completed application.
Career-training loan
Climb Credit
Climb Credit offers financing designed for career-focused education, so qualified students can spread the cost of training over time.
Eligibility basics
Eligibility is based on the application and credit profile. A soft credit check is used to explore available terms, and a co-borrower may help some applicants qualify. Loan acceptance and funding can involve a hard credit inquiry.
Example payment options
Climb Loan: $6,065 loan over 36 months at 13.99% interest: estimated payment of $219.00 per month.
0% Interest Financing: A $6,065 loan could have estimated payments of $533 per month over 12 months.
Pay-over-time option
Klarna
Klarna can divide an eligible purchase into smaller scheduled payments, including Pay in 4, which is generally collected every two weeks.
Eligibility basics
You generally need to be at least 18, provide accurate personal information, and have a valid payment method. Approval is decided for each purchase, and the available plan depends on eligibility.
Example payment options
24-month term: $6,065 loan at 35% interest: estimated payment of $354.92 per month.
16-month term: $6,065 loan at 35% interest: estimated payment of $479.77 per month.
12-month term: $6,065 loan at 35% interest: estimated payment of $606.28 per month.
6-month term: $6,065 loan at 35% interest: estimated payment of $1,116.49 per month.
Short-term installment payments, up to $4,000
Afterpay
Payments are divided evenly into four installments, with little to no interest. A deposit may be required depending on the course you select.
Eligibility basics
You generally need to be 18 or older, live in the United States or District of Columbia, and have a valid email, mobile number, and eligible U.S. payment method. Approval and terms depend on eligibility.
CDL-focused financing
Liberty Career Finance
Liberty Career Finance works specifically with trucking schools to offer CDL training loans for people preparing to enter the industry.
Eligibility basics
Liberty may consider applicants with limited or imperfect credit, but approval is never guaranteed. Your completed application, the training program, and the lender's review determine the available terms.
Example payment options
Example payment: For a $6,065.00 course with a $1,249 deposit, the remaining $4,816.00 loan over 36 months at 21.99% interest could have estimated payments of $163.00 per month.
CDL career-advancement financing
CDL Advantage
CDL Advantage focuses on financing for truck-driver training and can finance all or part of an eligible training agreement.
Eligibility basics
Applicants need to meet the school enrollment and standard CDL requirements. Credit and other application details are reviewed, and a co-borrower may help where needed. Final approval and payment terms come from the lender.
Example payment options
Estimated payment: A $6,065.00 loan over 60 months could have estimated payments of $175.54 per month.
Before You Commit
Ask the questions that protect your budget.
- What will my payment be, and when does it begin?
- What is the full cost of financing, including any fees?
- Can I make extra payments or pay the balance early?
- What happens if I miss a payment?
Financing is optional and subject to each provider's approval and terms. M&M Trucking School does not make lending decisions.
All loan amounts shown include the Class A CDL course, sales tax, DOT physical, DOT drug screen, Clearinghouse inquiry, one CDL test, and the Admin/Fuel Surcharge Fee. Manual-transmission training adds $250.00 to the course cost.
CDL Loan Questions
What to know before you apply.
The right financing choice is the one you understand before class starts. These answers can help you prepare for a conversation with M&M and any lender you choose to explore.
Can I get a loan for CDL training?
M&M works with several financing providers that may offer qualifying students a way to spread the cost of training over time. Approval, rates, fees, and repayment terms come from the provider after reviewing your application.
What should I compare between loan offers?
Look beyond the monthly payment. Ask about the total repayment amount, interest rate, fees, payment start date, term length, and whether you can make extra payments or pay the balance off early.
Do I need to choose a CDL course first?
It helps to know which program fits your goal before you apply. Review the Class A course or Class B course, then ask M&M which payment options may fit your training plan.
What costs are included in the example loan amounts?
The examples on this page include the Class A course, sales tax, DOT physical, DOT drug screen, Clearinghouse inquiry, one CDL test, and the Admin/Fuel Surcharge Fee. Manual-transmission training adds $250.00 to the course cost.
Let’s find the right path forward.
Tell us what you want to train for, and ask about financing.