americredit idiots Internet!!. I recently bought an F350 pickup truck from a local dealership, Americredit picked up the loan. A week later I was told the truck needed to be returned because Americredit did’nt finance commercial vehicles. I called the corporate office to get an explanation on what they considered a commercial vehicle, I talked to three different people and no one could tell me how a pickup truck fell into commercial status. The manager then tells me this was a utility truck. these people Idiots that obviously don’t know the difference between a utility truck and a pickup truck.