If you're a contractor, hauler, or septic service provider looking to buy a new or used septic truck, you’ve probably asked yourself: How does financing work? What do I need? How long does it take?
The truth is—it’s simpler than you think.
At TruckLenders USA, we’ve built our process specifically for hardworking contractors in the septic and wastewater industry. Whether you’re buying from a dealer, private seller, or auction, this guide will walk you through how to finance a septic truck in five easy steps.
Your first step is quick and risk-free: fill out our 60-second prequal form.
There’s no obligation and no hard credit pull—so your score stays intact. We’ll ask a few basic questions about:
Your credit score range
Time in business
Type of septic truck you're buying
Once you submit, our team reviews your info and responds with personalized next steps—usually the same day.
Pro Tip: The earlier you apply, the faster we can move once you find the right truck.
Once you're prequalified, we’ll request a few simple documents to complete your application:
Driver’s license or government ID
Three months of business bank statements
Truck invoice, listing, or seller quote
That’s it. No tax returns. No business plan. No complicated forms.
Whether you're financing a $40K used pumper truck from a local seller or a $180K new rig from a national dealer, we keep the paperwork minimal and contractor-friendly.
What if you're buying from Craigslist or Facebook Marketplace?
We finance private party deals every day. Just get a clear invoice or bill of sale from the seller—we’ll handle the rest.
Once we receive your docs, your file moves to underwriting. This is where we take a closer look at:
Personal credit (650+ is ideal, soft pull only)
Time in business (2+ years preferred)
Revenue and cash flow (from your bank statements)
The truck’s value (year, make, model, mileage, tank size, condition)
Because we specialize in septic truck financing, our underwriting team understands the equipment—and the industry. We know your truck is income-producing, and we don’t require perfect credit or a mountain of documents to get you approved.
Most applicants are approved within 1 business day.
Once approved, we’ll email your loan documents for electronic signature—no need to print or fax anything.
As soon as the paperwork is signed, we wire the funds directly to the seller (whether that’s a dealer, manufacturer, auction house, or private seller). We’ll coordinate directly with them and send you a confirmation once everything is complete.
Need the truck fast? Let us know—we can often fund within 24–72 hours.
Once funds are sent, the truck is yours. Pick it up, schedule delivery, or have the seller ship it—whatever works best for your business.
Most of our septic truck customers go from application to funding in 2–3 business days. We move fast because we know your business depends on it.
If you’re replacing a broken-down rig, picking up a second truck, or finally upgrading from rented equipment, we make it easy to get rolling.
Want to fast-track your financing? These quick tips can help:
Use a clean business bank account with regular deposits and minimal overdrafts
Send a clear truck invoice or link with all key details (price, VIN, seller info)
Respond quickly to questions from our team—we usually just need one or two quick clarifications
"How long does the whole process take?”
If you have your docs ready and the truck picked out, funding can happen in as little as 2–3 business days.
Can I finance a used septic truck?
Absolutely. We finance used vacuum and pumper trucks from private sellers, auctions, and dealers. As long as the truck holds value and is in usable condition, we can review it.
What if the seller is out of state?
No problem. We finance trucks nationwide and fund out-of-state deals all the time. Just provide the invoice or listing, and we’ll coordinate the rest.
Can I apply if my credit score is below 650?
Maybe. We review borderline cases individually. Strong cash flow, a good down payment, or high truck value can help offset a lower score.
Want to explore more septic financing topics?
Visit our Septic Truck Financing Hub »
You’ve got the work lined up. You’ve found the truck. Now it’s time to get approved—without the bank delays, tax returns, or red tape.
Apply Now
Soft pull. Fast decision. No tax returns.
Let’s get your truck funded and back to work—in days, not weeks.
