A Financing Partnership for Your CDL Training
CDL Advantage is a financing partner Missouri Trucking School works with to help students cover the cost of their CDL training.
They can finance up to 100% of your tuition and CDL-related expenses like books, testing fees, your DOT physical, and drug screen so cost doesn't have to stand between you and your new career.
How Can CDL Advantage Help Me?
CDL Advantage can finance $5,000–$12,500 over a 60-month term. Up to, but no more than, 100% of the amount on your CDL training enrollment agreement.
Your exact approval amount, interest rate, and monthly payment are determined individually and will be provided to you in writing before you sign anything nothing is finalized until you've seen and accepted your specific terms.
$5,000–$12,500
Amount financed
60 months
Repayment term
Up to 100%
Of the amount on your CDL training enrollment agreement
What Can It Cover?
Tuition
Books
Testing fees
DOT physical
Drug screen
Being unemployed does not disqualify you.
No minimum credit score required.
Applying takes about 8 minutes.
No obligation, applying does not require you to accept financing.
More than 50 factors are considered, not just your credit score.
Why Consider Applying?
Have a Co-Signer?
It Can Help.
If you have a friend or family member with a credit score of 680 or higher who's willing to co-sign as a co-borrower, it can significantly improve your approval odds.
This isn't required to apply, but it's worth considering if you have someone who can help.
How It Works
From application to funding, here’s what to expect at each step of the process.
1
Apply
Complete a short electronic application (about 8 minutes) with help from MTS staff.
2
Get a Decision
Usually within 1–3 business days, often within hours.
3
Sign & Pay First Payment
If approved, review and sign your documents, then make your first payment. Your next monthly payment is due 30 days after you sign your docs.
4
Complete Physical & Drug Screen
Required before your training can be funded (if not already done).
5
Get Funded
After a short required waiting period and your first payment clears, net proceeds are funded directly to your school.
Ready to Get Started?
Talk to any Missouri Trucking School staff member — we'll walk you through the application together.
Applying doesn't cost you anything and doesn't obligate you to anything.
Amounts, terms, and approval are subject to individual credit review by CDL Advantage. This is general program information, not a guarantee of approval or specific terms. All financing is subject to CDL Advantage's underwriting and applicable federal and state lending laws.
