Free · Instant · Anonymous
Don't sign that truck lease until you know what's in it.
FMCSA's own Truck Leasing Task Force found that 90% of lease-purchase agreements end in driver default. Upload photos or a PDF of your contract and get an instant, plain-language breakdown — red flags, the exact questions to ask your carrier, and the real weekly revenue this lease requires you to earn.
No account needed. Your contract images are never stored — only the analysis is shown to you.
Sample finding
Your weekly payment is fixed, but the contract doesn't guarantee a minimum number of miles or gross pay — the carrier has full discretion over your dispatch.
“Is there a guaranteed minimum number of miles or minimum gross pay per week?”
Real breakeven rate
$2.14/mi
what this lease requires you to earn, just to not lose money
How it works
Answer one question
Did the carrier give you a copy of the contract in advance, or are you seeing it for the first time? This alone is one of the clearest early warning signs.
Upload your contract
Take photos of every page, or upload a PDF. Nothing is stored — it's used only for this one analysis.
Get your breakdown
See extracted terms, red and yellow flags with the exact clause and why it matters, and the real weekly revenue this lease requires you to earn.
What we check, drawn from FMCSA's own findings
Every pattern below comes from FMCSA's Truck Leasing Task Force findings and OOIDA's public guidance — not a guess at what “seems” predatory. We never accuse a specific carrier of fraud; we flag patterns and explain why they matter.
Red flags — likely deal-breakers
- No real walk-away right
- No guaranteed minimum pay or miles
- Cross-default clauses
- Escrow/reserve not clearly refundable
- Illusory buyout price
- No advance copy provided
Yellow flags — clarify and negotiate
- Mandatory maintenance vendor
- Vague chargeback/damage clauses
- No itemized weekly payment breakdown
- Exclusivity requirements
- Vague truck age/condition
- No dispute process for deductions
FAQ
Is this legal advice?
No. TruckLeaseCheck is an informational tool, not a lawyer. If it raises concerns, OOIDA offers free contract review for members, and a consumer attorney can advise you on your specific situation.
Do you store my contract?
No. Your photos or PDF are sent for a single analysis and are not saved afterward. Only if a future version adds an optional "save my results" button would anything be stored, and only the extracted summary — never the images.
Does this cost anything?
No, it's free. This is a self-serve pre-screening step, not a replacement for OOIDA's manual review service.
How accurate is the breakeven number?
It's an estimate based on your expected mileage and typical operating costs, which you can edit. Use it to gauge the general size of the gap, not as an exact figure.