PIB TIP: SEEK CREATIVE SOLUTIONS. Some finance companies offer creative solutions to its customers. One option is a variable rate loan. Though most truck loans have a fixed interest rate, which means that you pay the same rate throughout the term of the loan, sometimes you can get a variable rate. That can be a good deal if the rate holds steady or drops, but if rates go up too much for too long, you could pay more than you would have with a fixed-rate loan. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks.