So, except for a select few that dealers might have in possesion, how exactly do you plan to pull this off?
Expecting a owner on craigslist/classifieds/ebay to finance?
Bank loans are cheaper than truck loans....hell even some credit cards are. Then to top it off, your truck credit would be calculated at least partially by your credit.
+100 You want a deal on a used one (I fully understand that), and you want financing? WTF? Getting a box financed is going to cost you 2 to 3X finding a similar box used.
As far as what to get? Watch the used market, and let the DEAL decide. If that means you end up with a Snap On, or a Cornwell, or a Matco? I would be open to any of the better brands, AT THE RIGHT PRICE.
So what kind of boxes do I have? Well, I have a Cornwell, and a couple of Snapon, all bought used for a small fraction of new.
Deals on used stuff start with having CASH in hand.
Interest all calculated up front almost always means major screw job on the finance charge, and no discount if you pay it off early.