HaulPay factoring: rates and terms
HaulPay's site gives a rate: 3% (stated maximum for one truck; lower with volume). It doesn't say advance, contract term or minimums. Source: haulpay.io, pages read Oct 25, 2026.
Run HaulPay's rate in the rates calculator
What HaulPay publishes
- Rate: published
- Advance: not published
- Recourse: published
- Reserve: published
- Payout fees: published
- Contract term: not published
- Leaving: published
- Minimums: not published
- Other fees: published
Filled: stated on HaulPay's site. Dashed: not published on the pages we read.
Terms, in HaulPay's words
| Term | What the site says |
|---|---|
| Rate | max 3% for single-truck operator, lower with volume"Our max rates are 3% for a single truck operator and go lower based on volume." [1] source for max 3% for single-truck operator, lower with volume: haulpay.io |
| Advance | not published |
| Recourse | non-recourse on credit"HaulPay is Non-Recourse on credit." [1] source for non-recourse on credit: haulpay.io |
| Reserve | no reserve holdback; no aging interest/penalties"HaulPay for Carriers does not have any reserve hold back and there is no additional interest charges or penalties for slow paid invoices." [1] source for no reserve holdback; no aging interest/penalties: haulpay.io |
| Payout fees | same-day and 1-day ACH free; flat fee for wire (amount not published)"There IS an additional flat fee for wire transfers" [1] source for same-day and 1-day ACH free; flat fee for wire (amount not published): haulpay.io |
| Contract term | not published |
| Leaving | no early termination or penalty fees"there are no early termination fees or penalty fees." [1] source for no early termination or penalty fees: haulpay.io |
| Minimums | not published |
| Other fees | $5.00 per invoice for billing-only service on declined customers"our system will handle your billing and payments for just $5.00 per invoice." [1] source for $5.00 per invoice for billing-only service on declined customers: haulpay.io |
| Fuel program | not published |
| Credit checks | not published |
| Referral program | not published |
| Affiliate program | not published |
| Reviews | not published |
Values are HaulPay's marketing claims, quoted from its pages; the contract you sign governs. Pages read: haulpay.io/, haulpay.io/digital-freight-factoring-for-carriers/, haulpay.io/fuel-card/, haulpay.io/partners/.
HaulPay against other published rates
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Questions
What are HaulPay's factoring rates?
HaulPay publishes 3% (stated maximum for one truck; lower with volume). On $10,000 of invoices that's $300 before payout fees. Run it in the rates calculator.
Does HaulPay work with new authorities?
The pages we read don't say. That doesn't mean HaulPay turns new carriers away; ask before you apply.
Does HaulPay require a long-term contract?
HaulPay's site doesn't say how long the contract runs on the pages we read. The signed agreement sets the term you are held to.
Is HaulPay recourse or non-recourse?
HaulPay's site says: non-recourse on credit.
How do I stop factoring with HaulPay?
HaulPay's site says: no early termination or penalty fees. The notice period and any termination fee are in your signed agreement. How to get out of a factoring contract.