Think very carefully about what you are looking to get into,,, good rule of thumb, if you do not have the credit good enough to get a loan from a bank or the money for a down payment, how are you going to afford to license, insure or equip the truck and most of these deals are 'as is' sales, which means when you sign that bill of sale and the tranny drops as you are leaving their drive way, guess who is S. O. L., another rule of thumb is, if it sounds like it is to good to be true, it is, I suggest work your backside off as a company driver for a year or two, save every penny you can, then take that $20,000 to a legitimate truck dealer, buy a decent used truck WITH a warranty and you will have a much better chance of succeeding as a truck owner