Bad is relative. What you might consider to be bad may not look too shabby to a lender. There are many different types of credit scores, but most fall within a range of between 300 and 850. In many cases, lenders consider a score of between 300 and 579 as very poor or bad. Anything above that falls into the fair, good, very good, or exceptional range. Even if you fall squarely into the bad-credit category, you aren’t completely disqualified from financing a semi-truck. Many lease-to-own trucking programs don’t even require a credit check — meaning that you’re approved regardless of your credit situation. These programs allow you to take possession of your new truck and begin using it to make a living and, consequently, make your monthly payments on the lease. Just remember that leasing a commercial truck is very much like leasing a personal vehicle. You technically don’t own the truck while you’re leasing it. The vehicle remains the property of the financing company until you make your final payment. After that, the title will be transferred to your name and you own the truck outright.