A truck with a lift kit on it going over a bridge.

Lift Kit Financing

You have got the truck, now you just need the lift. There is nothing like a lifted truck but if you have bad credit, getting financing for a lift can be tricky. At Loan Monkey, we can help by getting you access to an extensive network of lenders that are used to working with poor credit. In a matter of minutes, you could have an offer for the money that you need. Let’s get started.

Let’s Get Started!

Infograph on getting lift kit financing.

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Get Your OfferLoans With Bad Credit

Lift Kits With Bad Credit

If your credit is bad, you know that some things can be a challenge. Getting credit is one of those things and that is where we come in.

At Loan Monkey, we are not a direct lender, instead we give you access to a loan network. This works out to your advantage when it comes to getting a speedy approval on your truck parts.

Single direct lenders can be difficult to work with unless you have good credit. You have to fit into their little mold and if you do not, they simply decline your loan. What do you do then? You either give up or you have to start all over again with yet another lender. It can be a pain and you are likely to just give up altogether.

Networks are different. There are way more lenders potentially looking at your quote which greatly improves your chance of getting that elusive yes on a lift kit loan. Ready to see for yourself? Just fill out the form at the top of the page.

Getting Your Offer

So, you have decided to go for an offer but you probably want to know how it all works. The entire process could not be easier. Here is a summary of the process.

  • Fill out your quote form.
    It all starts with the form at the top of the page. It should take you just a few minutes, all you need is basic information. You will also need to submit your bank information. This is so the lender can send you your money. Yes, they will send you money directly so that you can buy whatever kit you want.
  • Submit your form to the loan network.
    When you are done, give your information a once over for accuracy, agree to the terms and hit submit. Your quote form will be securely sent and you can await your decision.
  • Review your lift kit loan offer.
    If approved, you will typically be transferred to the lenders website where you can review the details of the offer. Pay attention to all of the terms before you commit. In particular, make sure that you agree with the monthly payments and that the total cost of the loan is not out of line.
  • Accept your money.
    If it all looks good, you can accept your money and the lender will finalize everything loan ASAP. In many cases, you will have your money the very next bank business day,
  • Go shopping for your lift.
    When it is all said and done, you will have money in your account so that you can go shopping for your lift as a cash buyer. That is right, you will not be limited to one vendor or one brand of lift. You can buy whatever and wherever you like. This allows you to shop the best deal, saving you money.

Once You Have Your Lift Money

Once you have your lift money, you can immediately start shopping for your suspension lift kit. Money is typically electronically deposited which makes it available for immediate use.

When shopping, since you are a cash customer, you will not be limited to a particular brand or a particular store. Get a Superlift, Rough County, BDS or whatever kit that you want.

The huge benefit of having cash in hand is that you can shop the best sales. Shop everywhere and do your research so that you get the best deal. Places like Realtruck are good starting points for low prices on truck parts.

Paying Back Your Loan

Ideally, you should give this a lot of thought before you accept your loan. This money is for a lift kit after all and not a necessity like rent. You have time to decide.

You need to make sure that you can afford the monthly loan payment before you accept it. Work the payment into your budget and see how it fits. Do you have enough money for other expenses or is it going to be tight. If it is a little tight, you will need to either cut some expenses or increase your income. Believe it or not, both of these things are easy to do.

To cut expenses, take a look at your budget and see where you can trim some fat. This could be as simple as bringing your lunch to work or it could involve cancelling your cable and satellite subscription. Most budgets have areas that you can cut. Trim where needed to fit that payment in.

If increasing your income is your choice, look to places like Uber Eats or Door Dash where you can use your new lifted vehicle to deliver food part time. In addition, just about every retailer needs part time help. Choose whatever store is close to your home and simply apply. Even Walmart pays $13 an hour to start these days so making the money to pay off your lift kit should not be hard.


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James Car is a finance, loan and budget expert based in the United States. After attending Brookhaven college, he went on to become a successful entrepreneur. He now enjoys writing articles that help people save and make the most of their money.