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Mar 14 25

Semi-Truck Financing Requirements for Buyers

by twilliams

Whether you’re starting your career in trucking or expanding your fleet, one thing is certain — trucks are a major investment! For many, the most practical and accessible way to purchase a semi-truck is through a commercial vehicle loan. However, it’s important to know that qualifying for semi-truck financing involves meeting specific requirements.

Let’s take a closer look at what you’ll need to secure the financing that fits your needs.

Commercial Driver’s License (CDL) License

First things first: a CDL is a prerequisite for operating a semi-truck. A Commercial Driver’s License (CDL) is essential for both driving and securing financing. Additionally, you will need some driving experience before applying. Most lenders will not approve a loan if you are unable to legally drive a commercial vehicle.

Before applying for semi-truck financing, make sure you have your CDL in hand. Not sure how to get started? Check out our blog for a step-by-step guide on how to get your license, including tips on training programs, testing requirements, and more.

Credit Score

Your credit score plays a key role in securing a commercial vehicle loan. Lenders use it to assess how you’ve managed credit in the past and how likely you are to repay that loan. One thing is simple: the better your credit score, the easier it will be to qualify for financing. But don’t worry, semi-truck financing depends on more than just a strong credit score.

If you’re unsure about your credit standing, read our blog to learn where you fall on the credit scale.

Down Payment

When applying for financing, most lenders will require a down payment. A down payment is typically a percentage of the truck’s purchase price. The exact amount often depends on your credit score.

For borrowers with strong credit, a down payment of at least 10 to 20 percent is typically expected. However, if you have little, no, or poor credit, lenders may require a down payment of 30% or more to lessen the additional risk.

Keep in mind that down payment requirements, loan terms, and rates vary based on your financial history as well as the specific truck you’re looking to purchase.

New or Used Semi-Truck

A lender will need details about the truck you plan to purchase because it serves as collateral for the loan. Approval often depends on the truck’s value being sufficient to secure the loan. To meet this requirement, you’ll need to provide information such as the truck’s model, age, mileage, and overall condition.

Choosing the right truck — whether new or used — comes with its own set of pros and cons:

Pros of New Trucks

  • Warranties that cover major components
  • Fewer repairs and lower maintenance costs
  • Better fuel efficiency which can reduce costs
  • Advanced technology, features, and amenities for enhanced comfort and safety

Pros of Used Trucks

  • Budget friendly
  • Slower depreciation, which means they retain their value over time
  • Lower insurance premiums compared to new trucks

Make sure the truck meets both your operational needs and the lender’s requirements to secure the most favorable financing terms.

Financial History

A stable revenue stream significantly improves your chances of securing semi-truck financing. Lenders want to see consistent income, as it shows your ability to make regular loan payments. In addition to steady cash flow, having a diverse credit profile can also strengthen your application.

Different types of credit, such as installment loans — like a mortgage, car loan, or any regularly scheduled fixed payment — show lenders that you are able to manage multiple financial responsibilities. Together, a solid income and diverse credit history can enhance your eligibility and help you secure the financing you need for your truck.

Can’t Afford a Loan? Here’s What to Do

First and foremost: Save, save, save! Building a solid financial cushion is essential, especially for expenses like down payments and any unexpected costs that might pop up. Additionally, do what you can to improve your credit score. It can make a big difference in securing more favorable rates when financing in the future.

Need tips on financing with limited or no credit? We’ve got you covered with this blog.

Experience

And remember — experience matters! When it comes to financing, work with experts who know the industry inside and out.

Semi-trucks are a significant investment, but with the right financing, owning a Kenworth to start or grow your business is more achievable than you might think. Meeting the necessary financing requirements can simplify the process and expedite the loan approval. Take the time to explore your options — especially our extensive inventory of new and used trucks. Partnering with a dealership that cares about your success (like us!) will get you on the road faster and with confidence.

Call or visit our Coopersburg Kenworth and Liberty Kenworth of South Jersey dealerships to explore all financing options for your truck!

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Mar 12 25

TRP Parts Pottstown: Big Deals, Big Savings

by twilliams

March 2025: TRP Pottstown Parts Spotlight

Keep your truck performing smoothly, efficiently, and consistently with TRP’s top-performing truck parts! Our Air Disc Brake Rotors and Brake Pads offer superior braking efficiency, while our Brake Chambers provide enhanced performance. Protect your truck with durable Wheel Seals and high-quality Condensers, made to keep your systems operating smoothly. Don’t miss out on the best deals this March, including TRP Aluminum Wheels, Mattresses, and Automatic Slack Adjusters.

TRP Aluminum Wheels

Aluminum Wheels are a great way to add value to your truck or trailer. They offer a strong, lightweight alternative to steel wheels. Their corrosion-resistant design makes them more durable. These light wheels boost fuel economy and can help your truck last longer, making them a smart choice for any rig.

Best for: Improving fuel economy and reducing overall truck weight.

March’s Best Part’s Deal!

TRP Automatic Slack Adjusters

TRP Automatic Slack Adjusters help keep your brake adjustments in check. They automatically manage brake slack, eliminating the need for any manual adjustments. By keeping the brakes aligned properly, they ensure consistent braking force, which improves vehicle control and reduces wear on your brake components.

Best for: Ensuring safe brake performance.

March’s Best Part’s Deal!

TRP Mattresses

TRP offers a great selection of high-quality mattresses made to give truck drivers the comfort and support they need during downtime. They’re compatible with a wide range of truck makes and models, so you can be sure they’ll fit into most sleeper cabs. Our mattresses come in different sizes and thicknesses for drivers to find the one that best suits their preferences.

Best for: Enhancing driver comfort.

March’s Best Part’s Deal!

TRP Air Disc Brake Pads

TRP Air Disc Brake Pads deliver reliable and consistent braking for trucks, trailers, and buses. They help extend service intervals, cutting back downtime and maintenance costs. Plus, each set comes with all the hardware you need for a quick and easy installation.

Best for: Stopping power and braking efficiency.

TRP Brake Chambers

Brake Chambers can handle any tough demand of your truck’s braking system. They’re made to last, even in the most challenging conditions. Our Air Disc Brake Chambers help with better heat dissipation, less brake fade, and overall improved braking performance.

Best for: Reliable and consistent performance.

TRP Air Disc Brake Rotors

Air Disc Brake Rotors give your truck, trailer, or bus the braking performance it needs. Rigorously tested to meet and exceed industry standards, these rotors are built for durability and reliability. They provide consistent, dependable braking power for all kinds of heavy-duty applications.

Best for: Smooth braking and heat dissipation.

TRP Condensers

Condensers help keep your truck’s air system chill. With a parallel flow design, they boost cooling efficiency, delivering consistent airflow and temperature control. This helps prevent overheating, so your system keeps performing functionally in conditions like warm weather.

Best for: Maximizing A/C system efficiency.

TRP Tie Rod Ends

Tie Rod Ends are key to keeping your truck’s steering controlled and safe. Since they’re high-wear parts, they need regular maintenance and occasional replacement to keep everything running precisely. Made with materials like case-hardened bearing handles and grease fittings, these tie rod ends last longer with the right care.

Best for: Steering stability and alignment.
Related Parts: TRP Drag Links

TRP Wheel Seal

Wheel Seals help your wheel hubs and bearings last longer. Thanks to their double-lip design, they keep the lubricant in and dirt, moisture, and debris out. Built tough for heavy-duty jobs, these seals work perfectly for both steer and trailer axles.

Best for: Protecting wheel hubs and bearings.

Truck Parts Available at TRP Parts – Pottstown, PA

Your truck deserves the best! Trust TRP Pottstown to keep your truck on the road. Whether you’re looking for component protection, driver safety, or efficiency, we’ve got you covered with TRP Parts. Don’t miss out on this month’s savings and get the best parts for your trucks at unbeatable prices.

FOLLOW TRP PARTS POTTSTOWN ON SOCIAL MEDIA: Facebook | Instagram @trppartspottstown

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Mar 11 25

Kenworth Dashboard

by twilliams
Kenworth Dashboard

The dashboard in your truck is the central hub that keeps you connected, informed, and in control. With features that prioritize safety, convenience, and efficiency, the Kenworth dashboard enhances every aspect of the driving experience. From real-time updates to navigation to intuitive controls, Kenworth’s integrated technology is designed to make your journey effortless.

Smart Wheel

The Kenworth Smart Wheel boosts accessibility by placing a driver’s essential controls directly into the steering wheel. Found on newer Kenworth models, this feature lets you easily operate common functions while staying focused on the road. These “smart” controls include: User-Friendly Design, Driver Assistance, Customizable Display, Integrated Controls, and Safety Enhancement, among others. Discover all the “smartest” features: www.coopskw.com/kenworth-smart-wheel/

Kenworth Smart Wheel

Digital Display

Kenworth’s digital display is all about making a driver’s job easier. It’s more than just a fancy screen – it’s a hub of all fundamental tools conveniently located at eye level. From real-time alerts to adaptive controls to diagnostics and other features, this advanced display helps drivers stay focused and efficient on the road. This updated 15-inch digital display features tools including: Day and Night Modes, Adaptive Cruise Controls, Diagnostics, Safety Integration, and more. Set your eyes on the updated Kenworth interface and its functions: www.coopskw.com/kenworth-digital-display/

Nav+HD

The Kenworth Nav+HD system is more than just an in-cab GPS system. Few other dash displays offer as much performance as the Nav+HD, which comes standard in many new Kenworth models. It is equipped with navigation and audio system functions that push the limits of truck technologies. Learn how Nav+HD can make your journey easier: www.coopskw.com/kenworth-nav-hd-ensures-drivers-get-where-they-need-to-be/

Kenworth Nav+HD

Gauges & Cab Controls

Kenworth’s gauges and cab control buttons are conveniently located on the dashboard to keep drivers in control by simplifying settings. With just a tap, you can set and adjust cruise control to maintain your speed. PTO (Power Take-Off) controls are right there for quick access, so you can operate auxiliary equipment like dump beds, tankers, or hydraulic systems without hassle. When driving in low-visibility conditions, headlight and work light controls brighten your surroundings with ease. Plus, when you’re navigating steep hills or heavy traffic, the engine brake control allows you to modify braking power as needed, improving safety and efficiency. Every button and switch is designed with the driver in mind, giving you total power over your truck with minimal effort.

Truck Cab Controls
Kenworth Cab Controls

Kenworth Dashboard

The Kenworth dashboard enhances your driving experience by making it safer, easier, and more efficient. With features like a high-resolution digital display, you’ll have access to real-time updates and safety alerts. The audio system keeps you connected with hands-free controls for navigation and entertainment, while the gauges and control buttons allow quick access to maximize your truck’s performance. Kenworth’s fully-integrated dashboard puts everything you need within reach, helping you stay prepared on the road.

Watch our Virtual Truck Tour series, Behind the Wheel: Kenworth Dashboard:

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Mar 6 25

Learn How Much Dirt You Can Carry with Kenworth Dump Trucks

by jsarasota
Kenworth Dump Truck Capacity

If you’re looking to invest in a Kenworth dump truck, then one major factor to consider is the capacity. It is not simply a matter of just picking the dump truck with the largest capacity; you’ll also need to consider a range of other options, like how much that will affect your operations.

Frequently Asked Questions about Dump Truck Capacity

What is the capacity of a dump truck?

Dump trucks come in a variety of sizes, weights, and capacities. As a general rule, assume a typical dump truck will hold around 10 to 14 cubic yards of material. However, there are also smaller and larger options available, depending on your needs. Smaller dump trucks can typically carry around 6.5 to 7.5 tons, or 13,000 to 15,000 pounds. Larger dump trucks can carry around 14 tons, or 28,000 pounds. The exact capacity of a dump truck depends on the model. Consult the owner’s manual for more specific information on your truck’s dump capacity.

How much will my dump truck weigh?

The weight will depend on two factors: the truck size and the type of material being hauled. Each truck is designed with a maximum payload capacity which determines how much weight it can safely carry. Lighter materials, such as mulch or wood chips, have a lower density and weigh significantly less per cubic yard compared to heavier materials like dirt, gravel, sand, or concrete.

To get the job done right, it is important to match the dump truck to the task. For bigger construction projects, you may need a tri-axle or quad-axle dump truck to handle heavy materials in large quantities. For landscaping jobs or jobs that involve lighter materials, a smaller truck is usually the way to go. Using the right sized truck can save you money, boost work productivity, and make hauling a whole lot easier.

How much weight can my dump truck carry?

Figuring out your dump truck’s capacity doesn’t have to be complicated. To calculate the volume it can hold in cubic yards, start by measuring the length, width, and depth of your truck bed in feet. Then, convert those measurements to inches and multiply them together. Once you have that number, divide it by 46,656 (the number of cubic inches in a cubic yard), and you’ll know the truck’s capacity in cubic yards.

Another way to figure it out is by checking your truck’s Gross Vehicle Weight Rating (GVWR), which you can find on your registration. Subtract the curb weight (the weight of the truck when it’s empty) from the GVWR. This will give you the maximum load weight your truck can handle. Knowing these numbers helps you avoid overloading and keeps your operation safe and efficient.

Dump Truck Capacity Chart
Measure: Determine the length, width, and depth of your truck bed in feet.
Convert: Multiply each measurement by 12 to convert to inches.
Calculate: Multiply the length (in inches) by the width (in inches) by the depth (in inches).
Divide: Divide the result by 46,656 to find the truck’s capacity in cubic yards.

How does loading affect these factors?

There is a huge difference between the resting force of a full load of sand or gravel and the much higher impact force that comes from loading materials. If you’re planning on hauling something like demolition debris – which consists of a relatively small number of very heavy pieces – you need a dump truck with a heavy-duty, reinforced chassis. The frame and suspension must be strong enough to handle the repeated impacts from loading and unloading without buckling or sustaining damage. Poorly matched equipment can lead to costly repairs or worse, so it’s important to consider how loading affects your truck’s structural integrity.

What are my state’s dump truck legal limits?

Every state has its own set of rules when it comes to dump truck sizes, weights, and the use of lift axles to distribute weight. Check your state’s specific legal limits for axle weight, gross vehicle weight, and other regulations. Additionally, be mindful of state and local regulations regarding weight limits on roads and bridges. Many jurisdictions have strict guidelines to prevent road damage. Staying informed not only keeps you on the right side of the law but also helps protect your truck as well as the roads you and other truck drivers travel on.

Where can I get a Kenworth dump truck?

That answer is an easy one: Coopersburg & Liberty Kenworth! Our inventory is fully stocked with new and used Kenworth dump trucks. But it doesn’t stop there. Our used dump trucks also include brands like Peterbilt, Mack, and more.

For more on Kenworth dump trucks and our extensive inventory, contact our sales team or visit our Coopersburg Kenworth and Liberty Kenworth of South Jersey dealerships.

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Feb 21 25

Buying Trucks with Challenged Credit

by twilliams
Buying Trucks with Challenged Credit

Financing a truck can be challenging when a customer wants to make a purchase, but their credit score is… not so good. We’re here to help and we’ll do what we can to facilitate the deal. However, we still need to justify the financing agreement to our own bank. If they won’t approve the loan, we will not be able to offer it.

To help make a deal happen, it’s important to know where your credit stands.

What is a Good Credit Score?

A credit score is calculated using information from your credit report. Factors that make up your credit score include your payment history, the amount of debt you have, and the length of your credit history. Your credit score will be used by potential lenders and creditors to determine whether you can secure a loan by how likely you are to pay back the money that is lent to you.

It is important to remember that everyone’s financial and credit situation is different. There is no “magic score” that guarantees better loan rates or terms. However, having a good score can increase your chances of qualifying for a truck loan with a lower interest rate and more favorable terms. Keep in mind, lending criteria and rates can vary depending on the lender.

So, what is a good credit score?

Poor: 300 to 579
Fair: 580 to 669
Good: 670 to 739
Very Good: 740 to 799
Exceptional: 800 to 850
Source: Experian

What is a good credit score?

People in the Excellent, Very Good, and Good ranges are considered acceptable, low-risk borrowers. Having a credit score between these ranges makes securing a loan easier. These borrowers have a positive credit history which includes on-time, consistent payments; long-term credit record; diverse credit (credit cards, auto loans, mortgages); and limited credit inquiries.

People in the Poor or Fair ranges often have difficulty being approved for a loan. While your credit score might be lower than average, there are alternatives that can help you get approved. First things first, it is important for those with little to no credit to begin working on improving your score and building credit history.

Credit Dealbreaker

Having little, poor, or no credit doesn’t have to be a dealbreaker when financing a truck with Coopersburg & Liberty Kenworth. We understand that everyone has to begin somewhere. The first place to start: fixing or building your credit. Read our Tips for Financing a Truck with Bad or No Credit. With our support, you can take the first step toward owning the Kenworth truck you’ve been dreaming of while beginning to build a positive credit history!

Financing a Truck with Bad or No Credit

If you fall into the range of Poor or Fair credit, don’t be deterred! There is still a way to secure financing for your vehicle. Whether you’re a first-time buyer or have challenged credit, we are here to help you. There are options specifically designed for individuals who fall within that credit range.

Discover your financing options by contacting our Finance Manager or fill out our Financing Form. He’ll be happy to answer any questions you may have and guide you through the process of financing your next truck!

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