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Just drive.
Not necessarily. Keep in mind, when you're doing quick jobs, your employer covers the costs, fuel etc. And when you take a loan, you're basically throwing away money due to the interest. But either way is really fine, just depends on how you prefer doing it. You'll soon have money coming out "yerass" anyway :)
Yes nessecraily. There are no costs. Fuel is dirt cheap, about 1000$ a tank, which will allow you to complete 20,000$ worth of jobs that in quick drive would only pay you 10,000$. So throwing away $10,000 vs. Paying off your loan in a week and double pay. Yea real 'throwing money away;'
Where it starts to go pear-shaped is if you're taking out loans to buy trucks for hired drivers. They definitely do not make enough money to cover loan payments.
Oh and when you start hiring your first drivers if that's what your gonna do, I recommend getting them experinced in long-distance driving, long-distance really pays.