New & Used International Trucks · IC Bus
International Financial
- No payments for up to 90 days with Drive Now, Pay Later
- Up to 70% lower payments for the first 6 months with Year-End Cash In Hand
- OEM-backed loans, leases, municipal, and EV programs
Financing
International Financial for the trucks that wear the diamond, First Citizens Bank for trailers and every other make — both structured by a local team that knows commercial trucking.
Two Programs, One Team
What Are You Financing?
Every purchase at Artex runs through the lender built for it — International's own financing arm for the trucks that wear the diamond, and First Citizens Bank for everything else on the lot. Both are handled by our sales team on I-30.
All Trailer Brands · Non-International Trucks
First Citizens Bank
- $0 down and no payments for the first 90 days
- Terms up to 84 months on new trailers
- Skip-payment structures like “skip pay in May”
International Trucks & IC Bus
Flexible Financing Through International Financial
As a full-line International® dealer, Artex Truck Center works directly with International Financial to deliver financing built for commercial operations. That covers new and used International trucks, IC Bus® school buses, and used vehicles across all makes through the dealer network.
Whether you're financing a single truck or leasing an entire fleet, our sales team will walk you through loan and lease options and help you find the structure that keeps your business moving — payment plans, terms, and down payments tailored to how your operation earns.
Ready to start? Download the credit application below, then call us at (870) 779-4100 or bring it by the dealership on I-30. We'll guide you through the full application and get an answer moving.
Still picking the truck? Browse our current inventory or explore the International series lineup.
Why Finance At Artex
- OEM-backed financing through International Financial
- Loans and leases on new and used trucks
- All-makes used vehicle financing through our dealer network
- Local sales team that structures the deal around your cash flow
Current International Offers
Year-End Cash In HandUp to 70% lower payments
For the first 6 months compared to standard 60-month financing, plus 100% bonus depreciation to maximize your year-end finances. On new 2026 International trucks in dealer inventory.
Book by October 31, 2026Offer DetailsDrive Now, Pay LaterNo payments for up to 90 daysOn International Financial loans and leases for any new or used International or IC Bus vehicle, for well-qualified buyers.
Fund by December 31, 2026Offer DetailsThe Choice Is Yours
Financing Tailored To The Way You Work
Each financing product has unique advantages. Our sales team will compare the options against your operation and recommend the right fit.
Commercial Vehicle Loans
No mileage or usage limitations, a variety of payment plans, and depreciation tax benefits on truck, bus, and fleet vehicle loans.
Truck & Bus Leasing
Lease types tailored to commercial customers — from Fair Market Value to TRAC — with terms matched to your replacement cycle.
Used Vehicle Financing
Financing on a wide range of used truck and bus makes and models, not just International, to fit your budget and your work.
Municipal Financing
Tax-exempt lease purchase solutions that help government and municipal borrowers manage fleet needs within a constrained budget.
EV Fleet Financing
Financing built for the switch to electric, from International Financial's experts in commercial fleet electrification.
Service Contract Payment Program
Bundle International Service Contracts into your loan or lease payment for a known, predictable cost per mile.
Service Contract Payment Program
Bundle Maintenance Into The Payment
International Service Contracts are designed to deliver greater productivity, improved efficiency, and a lower total cost of ownership. With the Service Contract Payment Program from International Financial, you can bundle those benefits into one streamlined, budget-friendly payment.
The program is available for International Service Contracts (Complete, Extended, and Core) on new and used International® trucks, and can include towing contracts when ordered with an eligible service contract — further increasing your savings.
Ask our team whether a loan or lease with the Payment Program is the right fit for your operation, and see what our Service Department stands behind.
Program Benefits
- No finance cost on the price of International Service Contracts, providing significant savings
- Known and predictable cost per mile for planned maintenance and repairs
- Improved cash flow by eliminating unexpected repair and maintenance expenses
- A potentially lower Fair Market Value lease payment on vehicles with the Payment Program
Resources
Financing Downloads
Applications and program overviews from International Financial. Download the credit application, fill it out, and bring it in — or call and we'll take it from there.
Credit Application
Standard application for new and used truck financing
PDF · 2.5 MBFinancing Overview for Trucks
Loan and lease products from International Financial
PDF · 1.8 MBMunicipal Solutions for Trucks
Tax-exempt lease purchase options for municipal fleets
PDF · 6.9 MBCredit Application for Bus
Application for IC Bus® school bus financing
PDF · 2.6 MBFinancing Overview for Bus
Loan and lease products for IC Bus® customers
PDF · 1.8 MBMunicipal Solutions for Bus
Tax-exempt lease purchase options for school districts
PDF · 3.2 MBTrailers & All Other Makes
First Citizens Bank Equipment Finance
International Financial covers the equipment that wears the diamond — everything else on our lot finances through First Citizens Bank Equipment Finance. That means every trailer brand we stock, from Manac and Hicks to McLendon, Polar, and Fontaine, plus used trucks from other manufacturers.
The application is online, co-branded to Artex, and takes a few minutes for amounts from $1,000 to $1,000,000. Prefer to talk it through first? Call (870) 779-4100 and our sales team will structure the deal with you.
$0 Down
On most approvals, with no payments for the first 90 days
90 Days
Every approval can use the payment deferral
84 Months
Terms available on new trailers
Skip Pay
Seasonal structures like “skip pay in May”
All financing is subject to credit approval by First Citizens Bank. Every approval can utilize the 90-day payment deferral. Most approvals qualify for $0 down; when the full cost of the unit cannot be approved, the difference is due as a down payment. Skip-payment structures are subject to underwriting approval on each individual deal.
Start Your Request
Ready To Talk Financing?
Not sure which program fits? Call our sales team and we'll route you to the right one — International Financial or First Citizens — and guide you through the application, or visit us on I-30 at 1801 Trinity Blvd, Texarkana.
International Financial services are provided by Navistar Financial Corporation NMLS #1561857 and Navistar Leasing Company NMLS #2486424, and are only available in the U.S. Program eligibility, actual payments, terms, and down payment are determined by the Navistar Financial Corporation credit team based on customer creditworthiness. Navistar Financial Corporation does not provide tax or accounting advice; consult your own tax and accounting advisor on all matters relating to loan or lease financing. TRAC leases are limited to motor vehicles leased to businesses and used for commercial purposes at least 50% of the time. Lease products are only available on new vehicles.