Top Zero Down Lease Purchase Trucking Companies

Lease Purchase Program

Do you dream of working for yourself as an owner-operator but can’t afford to purchase a truck outright? With these zero down lease purchase trucking companies, you can finance a rig and get driving right away. 

Over your lease, you make monthly payments toward one day owning the truck outright. Check out the six best zero down lease purchase trucking companies to achieve your trucking career goals. And when you’re finished reading, check out the rest of our ‘Alternative financing for semi trucks’ article series:

Best zero down lease purchase trucking companies

Best for career development: Roehl

• Best for insurance coverage: KSM

• Best for accessibility: Swift Transportation

• Best for lease plan options: JB Hunt

• Best for flexible financing: PGT Trucking

• Best for comprehensive support: Nova Lines

Lease purchase trucking has exploded in popularity to become a highly competitive market. With so many companies competing for your business, it can be hard to decide which one will serve your needs best. 

To help you make an informed decision, here is an overview of the six best lease to purchase trucking to Choose the Right Company for a Lease

Leasing a truck through a carrier is a significant decision that requires careful consideration. Before committing, make sure you fully understand your financial responsibilities, including weekly expenses, maintenance costs, and expected pay. Determine if the lease is a walk-away lease (allowing you to leave without heavy penalties) or if you’re contractually obligated to finish the full term.

Read the entire lease agreement carefully, from start to finish. If anything is unclear, ask questions. You need to be fully aware of what you're agreeing to.

Pay close attention to any additional fees that may apply. Some companies may offer a higher percentage of the load, but charge you for things like trailer rentals, permits, and other expenses. Review the operating agreement and cost breakdown in detail.

Understand how you’ll be compensated and what your take-home pay will look like each week. It’s also wise to have some savings set aside, or access to credit, in case of unexpected repairs. Leasing with a larger carrier can provide financial security in the event of costly repairs, offering stability during tough times.

Top 10 Lease-Purchase Trucking Companies for 2025

As the trucking industry continues to evolve, lease-purchase programs are a popular way for drivers to own their own trucks while benefiting from the stability and support of established carriers. Whether you're a seasoned driver or new to the road, selecting the right company for your lease-purchase journey is crucial. Here are ten top-tier companies offering flexible, rewarding opportunities for owner-operators.

Lease purchase trucking companies that pay percentage

1. Road LegendsSince 2007, Road Legends has built a reputation for exceptional quality and professionalism, offering a lease-purchase program that promises a smooth path to truck ownership. With a focus on protecting the interests of drivers, Road Legends enables operators to maintain business independence while receiving comprehensive support.

Key Benefits:

• Bonuses for referrals

• Pre-trip planning capabilities

• Weekly pay with cash advances

• Non-forced, 24/7 personal dispatch

• Strong company culture and low turnover rates

• Covered trailer maintenance and emergency vehicle availability

2. Roehl Transportation Roehl Transportation stands out by offering comprehensive ownership training and a dedicated Business Owner’s Support System. Their program is perfect for drivers seeking both professional growth and reliable financial support through automatic tractor payment deductions and new, top-of-the-line trucks.

Key Benefits:

• New, high-quality trucks

• Fuel surcharge program

• Mileage-based pay

• High earnings potential with low turnover

• Business advisor training and ongoing support

3. CRST Expedited Trucking With over 50 years in the business, CRST Expedited Trucking is known for its outstanding customer service and strong recruitment programs. The company’s lease-purchase initiative offers generous perks, making it a prime option for those looking to enter the owner-operator world.

Key Benefits:

• No down payment required

• Guaranteed home time

• Excellent fuel discounts

• No credit or income checks

• Easy access to reliable co-drivers

4. KSM KSM provides an appealing zero-down lease-purchase program, allowing drivers to become owner-operators while still benefiting from industry-leading support. The program includes full insurance coverage, and drivers can enjoy the flexibility of working with KSM's experienced team.

Key Benefits:

• Longevity bonuses

• 3,000 miles per week on average

• Freedom to choose freight

• Paid cargo and liability insurance

• Company-paid trailer maintenance and loaner trucks for repairs

5. PAM TransportPAM Transport offers an efficient, driver-friendly lease-purchase system that ensures both immediate earnings and long-term success. With low maintenance costs and a focus on profitability for both drivers and the company, PAM delivers great opportunities for owner-operators.

Key Benefits:

• No trailer or cargo insurance fees

• No hidden costs or rental fees

• Competitive shop and fuel rates

• Steady, year-round work

• Low weekly payments starting at $599

6. Swift Transportation Swift Transportation offers unmatched flexibility for drivers interested in a lease-purchase program. The company's zero-down lease purchase option allows drivers to transition to owner-operators quickly, with the freedom to choose loads, schedules, and routes.

Key Benefits:

• Detention pay and productivity bonuses

• Flexible freight options and scheduling

• Lower insurance premiums

• Parking available at all terminals

• Company-paid licensing and permits

7. ATS (Anderson Trucking Service)ATS offers a straightforward one-year lease program designed to ease the transition to ownership. With no credit checks and enticing bonuses, ATS is an excellent option for drivers with less-than-perfect credit.

Key Benefits:

• No down payment or credit check

• $3,500 sign-on bonus

• $4,000 completion bonus after one year

• Simple transition to owner-operator

8. JB Hunt JB Hunt offers a variety of lease-purchase plans, including flexible pay programs based on mileage or percentage. Drivers can choose from multiple lease options, making it easy to find a plan that fits their needs while benefiting from the company’s robust support and attractive discounts.

Key Benefits:

• Multiple flexible lease plans

• Deals on services, tires, and fuel

• Discounts on insurance

• Flexible weekly repayments

• Lease terms ranging from 12 to 36 months

9. PGT Trucking PGT Trucking is an excellent choice for drivers who want to become flatbed owner-operators. The company offers a zero-down lease program with flexible financing and a full range of perks that make it easy for drivers to transition into ownership.

Key Benefits:

• Excellent percentage pay

• $5,000 driver referral bonus

• Discounts on truck parts and tires

• Earnings potential up to six figures

• Free trailer rental for the first four weeks

10. Nova Lines Nova Lines offers a flexible and driver-friendly lease-purchase program with accommodating lease terms and a road to ownership that allows drivers to exit at any time. The company provides a consistent revenue stream and well-maintained equipment, helping new owner-operators prepare for long-term success.

Key Benefits:

• No balloon payment

• Flexible lease terms (3-5 years)

• Choose your own routes

• Consistent revenue

• Only well-maintained trucks and trailers

Choosing the right lease-purchase company can set the foundation for a successful career as an owner-operator. Each of these companies offers unique benefits designed to support drivers at every stage of their journey. When selecting the best fit, consider your individual preferences for pay structure, equipment, and work-life balance.

Is lease purchase a good idea for truckers? It varies based on your personal situation. Before committing to a lease purchase, evaluate your financial stability, the terms of the lease, and your long-term goals to determine if it's a smart move for you.

How does lease-purchase work with a trucking company?A lease-purchase program allows truckers to lease a semi-truck from a carrier with the option to buy it. Payments made during the lease period go toward the truck’s purchase price, and drivers can work for the company while paying off the truck.

What is the best semi truck for owner-operators?The Freightliner Cascadia is often regarded as the top choice for owner-operators. It stands out for its fuel efficiency, comfort, durability, and strong resale value. Many owner-operators also prioritize trucks with extended warranties and comprehensive manufacturer support to help

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