It's not hard to get a loan on older trucks.... it's impossible! We purchased our service truck last year and asked what kind of loan we could get. The dealer pretty much said none. We just purchased a truck with the body you're talking about, we wanted a flatbed but this was the best deal we could find. Used trucks are out there for short money you just have to be able to pay cash to get them. How about liquidating the units the newer one will replace to help with the new purchase?