Charabanc Financial
For Schools, Districts & Student Transportation

School Bus Financing for Student Routes.

Financing for new and used school buses for school districts, private schools, daycares, and student transportation contractors, with a wide credit window and flexible payment structures.

New & Used
School buses
100%
Financing available
A+ to C
Wide credit approval window
Since 2002
Financing buses and coaches

Financing Built for School Bus Operators

School districts, private schools, daycares, and student transportation contractors depend on their buses running every school day. Charabanc has financed buses since 2002, and our team includes people with decades in the bus and motorcoach market, so we know how to structure a school bus purchase around a school-year budget.

Built for Student Transportation

New and used school buses for districts, private schools and contractors.

  • New and used school buses
  • Single units or full fleet orders
  • A+ to C credit considered

Payments That Fit a School Budget

Structures built around a school calendar and operating budget.

  • 100% financing available
  • 90-day deferred payment options
  • Start-up underwriting with good credit

Loan or Lease

Pick the structure that fits your tax position and plans for the vehicle.

  • Equipment loans
  • TRAC, capital & operating leases
  • Municipal leases for public fleets

School Buses for Every Student Route

Private & Parochial SchoolsStudent pick-up and field trips
Daycare & Head Start ProgramsStudent transportation
Special-Needs & ParatransitADA and lift-equipped
Transportation ContractorsRoutes under contract to a school or district
New & Used UnitsSingle unit or fleet orders
Public School DistrictsMunicipal lease options
RefinancingVehicles you already own
Cutaway & ShuttleSmaller student routes

Need a school bus?

Our affiliate, The Bus Coach, buys, sells, and consigns pre-owned motorcoaches and buses. We can have financing lined up before you pick a unit.

Browse The Bus Coach

Three Steps to Your Next Bus

Apply

Download a credit application. Smaller requests can go application-only: the application, recent bank statements, and a short company overview.

Get a Decision

Application-only requests up to $750,000 can be approved within a few hours. Larger deals are structured with full financials.

Hit the Road

We structure payments around your calendar, including seasonal skips and 90-day deferred payment options.

School Bus Financing FAQ

Do you finance school buses?
Yes. We finance new and used school buses for public school districts, private schools, daycares, and student transportation contractors. Districts can use a municipal lease. See our used bus financing page for pre-owned units.
What kinds of operators use school bus financing?
Public school districts, private and parochial schools, daycare and Head Start programs, special-needs and paratransit student transportation, and contractors running student routes under contract to a school or district.
What credit do I need to finance a school bus?
We work across a wide credit window, from A+ to C, and can underwrite start-up operators who have good personal credit.
Is 100% financing available for a school bus?
Yes, 100% financing is available for qualified borrowers, along with 90-day deferred payment options.
Loan or TRAC lease: which is better for a school bus?
It depends on your tax position and how long you plan to run the vehicle. A loan builds equity from day one; a TRAC lease sets a residual value up front, which usually means a lower monthly payment. See the side-by-side comparison on our motorcoach financing page, and confirm tax treatment with your accountant.
What do I need to apply?
Smaller requests can go application-only: a credit application, recent bank statements, and a short company overview. Larger requests use our full-financials application. Both are on our Resources page.

Ready to Finance Your Next School Bus?

Send us an application or give us a call. We’ll lay out your options, usually within hours.

Or call us at 706-460-5231