Best Lease Purchase Trucking Companies in 2025

Finding the right lease-purchase trucking company can be challenging, whether you're entering your first lease or looking for better terms. Unlike company driver positions, lease-purchase drivers are responsible for truck payments, maintenance, insurance, and other associated costs. It's crucial to choose a company that aligns with your career and financial goals to avoid setbacks.

Top Lease Purchase Trucking Companies in 2025

Here’s a look at some of the best lease purchase trucking companies based on their reputations, driver options, and pay programs:

1. J&R Schugel

Founded: 1974

Headquarters: New Ulm, Minnesota

Key Benefits:

• No money down and no credit check
• 2020 and newer Kenworth trucks
• 75% of line haul revenue
• No trailer fees
• Weekly pay
• Employee-owned company
• Options for truckload, refrigerated, and dedicated freight

2. Roehl Transport

Founded: 1962

Headquarters: Marshfield, Wisconsin

Key Benefits:

• Earned Down Payment Program: Transition from company driver to owner-operator
• Well-maintained equipment with low weekly payments
• Dynamic pay plans and business ownership training
• Regional and dedicated route options

3. CRST

Founded: 1955

Headquarters: Cedar Rapids, Iowa

Key Benefits:

• No money down, no credit check
• Walk-away lease options
• Low truck payments with guaranteed maintenance
• Average annual earnings of $215,000
• Sign-on bonuses available
• Haul dry van, flatbed, and specialized freight

4. PAM Transport

Founded: 1980

Headquarters: Tontitown, Arkansas

Key Benefits:

• Fully loaded 2019-2021 Freightliners and Peterbilts
• Lease-to-own options with no trailer rental charges
• No money down, no credit check
• $599 weekly lease payments
• Overdrive Lease Program to help drivers transition to ownership

Restrictions: Lease program not available in certain states, including AZ, CA, CO, and NY.

5. J.B. Hunt

Founded: 1961

Headquarters: Lowell, Arkansas

Key Benefits:

• Fortune 500 company with extensive freight network
• Multiple third-party lease options available
• Mileage or percentage-based pay options
• Diverse freight choices, including intermodal and dedicated routes

6. Nova Lines

Founded: 2012

Headquarters: River Grove, Illinois

Key Benefits:

• 2022 and newer Freightliner Cascadia trucks
• Walk-away leases with no balloon payment
• Competitive pay
• Path to ownership without hidden fees
• Flexible home time options

7. Prime, Inc.

Founded: 1970

Headquarters: Springfield, Missouri

Key Benefits:

• Industry leader in refrigerated freight
• No money down and no credit check for standard leases
• Fixed lease payments starting at $978 per week
• End-of-lease incentives up to $17,000
• Comprehensive support and access to maintenance shops

Lease Purchase Program: Requires a $14,000 down payment but offers truck ownership at the end.

8. Schneider

Founded: 1935

Headquarters: Green Bay, Wisconsin

Key Benefits:

• Flexible lease options with no-money-down choices
• Credit score flexibility and deferred payment options
• Wide selection of trucks with top-tier warranties
• Comprehensive business consulting services
• Flexible maintenance accounts and payment structures

How to Choose the Right Lease Purchase Program

Before committing to a lease, consider these factors to ensure the best fit for your needs:

1. Understand Financial Obligations:
   • Weekly expenses, maintenance costs, and expected take-home pay.
2. Lease Type:
   • Walk-away leases vs. full-commitment leases.
3. Read the Fine Print:
   • Review contracts thoroughly to check for hidden fees such as permits, trailer rentals, and maintenance costs.
4. Pay Structure:
   • Determine whether mileage-based or percentage-based pay works best for you.
5. Credit Requirements:
   • Some companies offer no credit check leases, while others may require a minimum score.
6. Truck Options:
   • Check for well-maintained, newer model trucks that fit your lifestyle and freight needs.

Why Choose Anderson Trucking Service (ATS)?

At ATS, we offer a unique one-year lease program with the following benefits:

• No money down and no credit check
• No fixed expenses for the first two weeks
• Sign-on bonuses
• Top industry pay
• Cost coverage for plates, permits, and trailer rental fees
• Access to a well-maintained fleet with various makes and models