Financing

Q: How does a Climb Credit loan work?

You apply online in about 5 minutes and get an instant decision. If you're approved, you pick your terms, we verify your enrollment at SPCDL, and you start training while you pay over time in fixed monthly payments.

Q: Who handles the loan?

Climb Credit manages your financing, and the loans are originated by Climb Investco, LLC. You'll have a single, clear point of contact for any questions about your payments, plus real human support whenever you need it.

Q: Do I need money saved up to start?

The whole point of financing is to let you start without paying the full cost up front. Apply, get approved, and begin your training while you pay over time instead of all at once. Depending on your program, there may be a small up-front cost and a balance due before your behind-the-wheel test, and we'll explain exactly what applies when you call.

Q: What if my credit isn't great?

Climb is designed to approve more people than a typical lender, and it offers flexible options, including monthly payment plans, for students with lower credit scores. A less-than-perfect score does not automatically mean no. The fastest way to find out is to apply.

Q: How fast can I get an answer?

Almost instantly. The application is short and the decision is immediate, so you can move forward the same day.

Q: What can I use the financing for?

You can put it toward your SPCDL CDL training program. Call us at (909) 353-9897 and we'll go over current program costs and help you choose the right fit.

NEW! Financing Now Available at SPCDL Truck Driving School

Can't Pay Up Front? Start Your CDL Training Today.

SPCDL Truck Driving School is now approved to accept Climb Credit financing. That means the cost of training no longer has to stand between you and a high-demand career behind the wheel. Apply directly with Climb in minutes, get an instant decision, and start your road to a Commercial Driver's License now while you pay over time.

Good to know: SPCDL does not approve loans or decide who qualifies. You apply directly with Climb Credit, and Climb Credit makes the decision. Use the button below to start your application.

CLIMB CREDIT OFFERS ZERO DOWN OPTION, UPON APPROVAL

Apply Now with Climb Credit

Questions before you apply?
Call SPCDL at (909) 353-9897
We're happy to walk you through the program.
The financing decision is made by Climb when you apply.

The #1 Thing That Stops People Is Money. Not Anymore.

You already know the trucking industry is hungry for drivers, and a CDL can open the door to strong, steady pay. The only thing in the way for a lot of people is the up-front cost of training. Climb Credit removes that roadblock. Instead of waiting months to save up, you can get approved and begin your training right away.

Climb Credit is built specifically for students investing in career training, not a generic credit card or payday loan. It is designed to say yes to more people, keep payments manageable, and get you moving toward your CDL fast.

Why Students Love Financing with Climb Credit

A 5-minute application. Quick, simple, and done online from your phone or computer.
An instant decision. No waiting around and wondering. You find out fast.
Low fixed rates. Interest rates start as low as 6.99% and stay fixed, so your payment will not jump on you.
Affordable monthly payments. Spread the cost out so it fits your real-life budget.
Built for career training. Climb works with schools focused on helping you build skills and land a job.
Real human support. Smart, caring people are there to answer your questions along the way.
Options even if your credit is not perfect. Climb has flexible plans, including monthly payment options, so a low score does not automatically mean no.

Want to know what you qualify for? The only way to find out is to apply.

SPCDL cannot see or decide your approval. Climb Credit makes that decision when you submit the application, and it takes about 5 minutes with an instant answer. Have questions about the program first? Call us at (909) 353-9897.

Start My 5-Minute Application

How It Works: 4 Simple Steps

Apply for Climb Credit. Fill out the short online application. It takes about 5 minutes and gives you a decision right away. (Climb makes the approval decision, not SPCDL.)
Get Your Decision in Minutes. See what you qualify for instantly, with clear, fixed terms and no surprises.
Enroll at SPCDL. Once you're approved, we verify your enrollment so your financing can be put to work.
Start training. Begin your one-on-one CDL training with SPCDL and pay over time. No need to wait until you've saved up the full amount.

With Climb vs. Without

Here's the difference financing can make:

Paying On Your Own	Financing With Climb Credit
You cover the full tuition yourself, including $1,500 due before your behind-the-wheel test	Climb Credit can cover your tuition so you pay over time, in affordable monthly payments
Waiting and saving while jobs go unfilled	Start your training now, pay over time
A big number standing between you and a new career	Affordable monthly payments that fit a real budget
No clear options if money is tight right now	Options even if your credit is not perfect

Don't let cost keep you off the road. Call (909) 353-9897

Call SPCDL Truck Driving School Monday through Friday and learn how to start your CDL training today and pay over time. All online course theory classes are taken online from home. Stop wasting time going to a classroom for weeks. Then you get 2 full days of driving in our trucks with your own instructor.

What Can You Finance?

You can use Climb Credit financing toward SPCDL's Class A CDL - Class B CDL - Class C CDL and all of our training programs, including our Online Multimedia (Theory) training and our In-Person Hands-On training. Whether you're starting from zero experience or upgrading your license, financing can help you get going now.

Want the exact program cost and current options?

Call Us (909) 353-9897. We'll go over pricing and help you choose the right path for your goals.

Why Train with SPCDL Truck Driving School?

Financing gets you in the door. SPCDL gets you to the finish line. Here's what sets us apart:

100% one-on-one training. You'll never share a truck or a trainer with another student.
High first-try pass rates. Our personalized approach is built to help you pass your CDL test the first time.
We train true beginners. No prior experience needed. We'll take you from zero to road-ready.
State-approved and award-winning. SPCDL Truck Driving School is approved by the BPPE (Bureau for Private Postsecondary Education), is a BBB A+ accredited business, and was named the 2024 BBB Ethics Award Winner for Marketplace Excellence in the Small Business Category.
Experienced instructors. Learn from certified trainers with decades of real-world driving experience.
Discounts for those who serve. Military, veterans, and first responders get 10% off.

Your Questions, Answered

How does a Climb Credit loan work?

Who handles the loan?

Do I need money saved up to start?

What if my credit isn't great?

How fast can I get an answer?

What can I use the financing for?

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Your New Career Starts Here. Call SPCDL at (909) 353-9897

Apply with Climb Credit to get your instant decision and start your CDL training today.

Apply Now with Climb Credit

SPCDL Truck Driving School | 217 E. Club Center Drive, San Bernardino, CA 92408

Financing is provided through Climb Credit and is subject to credit approval. Loans are originated by Climb Investco, LLC. Interest rates, terms, and monthly payment amounts vary based on your application, credit profile, and applicable state laws. Rates referenced start as low as 6.99% and actual rates may differ. SPCDL Truck Driving School does not originate or service these loans and is not a lender. Program tuition and fees are set by SPCDL and are subject to change. Contact SPCDL at (909) 353-9897 for current pricing and program details.