Buying a used septic truck? Whether you’re an owner-operator or managing a growing fleet, we make it simple to get the financing you need—even if you're buying from a private seller or auction. At TruckLenders USA, we specialize in used septic truck loans that are fast, affordable, and designed for wastewater contractors like you.
With flexible approvals, no tax return requirements, and soft credit checks, we’re here to help you secure the truck that keeps your business moving.
Our financing is built for hardworking septic professionals who know the value of a reliable vacuum or pumper truck. We work with:
Residential and commercial septic service companies
Pumpers and haulers serving rural or suburban areas
Wastewater pros handling portable toilet servicing and sludge transport
Owner-operators buying their first used truck
Established fleets adding cost-effective backup or overflow vehicles
If you’re hauling waste, pumping tanks, or managing septic routes—we’ve got you covered.
We fund used trucks from almost any seller, including:
Vacuum trucks with steel or aluminum tanks
Septic pumpers with 1,000–4,000+ gallon capacities
Custom septic builds from local mechanics or upfitters
Auction purchases (including Ritchie Bros, Purple Wave, and others)
Dealer or private party sales
Even if you're buying a 5–10 year old rig with some miles on it, we’ll review the deal and fund what makes sense—because we understand trucks hold value when they’re well maintained.
New septic trucks can run $200K–$350K or more. Used rigs? Often half that—and still just as profitable.
Here’s why many of our clients finance used septic trucks:
Lower upfront investment = faster ROI
Flexible approvals for businesses with decent credit and steady cash flow
Easier to qualify because the asset still holds strong collateral value
Shorter financing terms mean less total interest paid
You don't need a brand-new unit to grow your business. A well-maintained used truck can generate the same revenue—without the heavy price tag.
We make used septic truck loans simple, with clear terms that match your business needs:
Loan amounts up to $250,000
36 to 72-month repayment options
No tax returns or profit & loss statements required
650+ credit score required (soft pull only)
2+ years in business recommended
Business entity (LLC, Corp, or Sole Prop)
Need to finance something older, custom, or slightly outside the box? We’ll review the details and give you an honest answer fast.
Yes—you absolutely can.
We work with private party sales every day. As long as we can verify the seller and confirm the truck's details, we can structure a deal. Whether it’s Craigslist, Facebook Marketplace, a local yard, or a friend of a friend—we’ll help make the purchase secure and compliant.
Here’s what we’ll typically need to get started:
Seller invoice or bill of sale
Three months of business bank statements
Driver’s license or Commercial Driver’s License (CDL)
Truck details (year, make, model, VIN, mileage, and tank size)
If you already found a truck, send us the info—we’ll review it right away and let you know your options.
We’re not just another bank or online lender. We’ve been financing vocational trucks for over 30 years, and we know the septic industry.
Here’s why contractors trust us:
30+ years of experience in asset-backed truck lending
Fast-track approval process (many deals funded in 2–3 business days)
We finance used trucks, custom rigs, and older equipment
No cookie-cutter rules—each deal gets hands-on review
We only finance commercial trucks—nothing else
When banks say no, or when you need flexibility and speed, we’re here to make it happen.
Can I finance a truck that’s out of state?
Yes. We finance used septic trucks nationwide. We’ll coordinate with the seller to verify the truck and transfer funds safely, even across state lines.
How fast can I get funded?
Most loans are approved in 24–48 hours after we receive your documents. Funds are usually wired directly to the seller within 1–3 business days after approval.
Do I need perfect credit?
No. We work with contractors who have 650+ credit and at least 2 years in business. We only do a soft pull to prequalify, so there’s no risk to apply.
Do you finance trucks from auctions like Ritchie Bros?
Absolutely. We’ve financed dozens of trucks bought at auction. Just send us the auction listing or invoice and we’ll help you get pre-approved before you bid.
What if the truck needs minor repairs?
That’s okay—as long as the truck is operational or will be delivered in running condition, we can finance it. Let us know the details and we’ll review the file.
Want to explore all your septic truck financing options?
Visit our Septic Truck Financing Hub »
Don’t wait on banks that don’t understand your business. Get prequalified in 60 seconds—no tax returns, no hard credit pull, and no hassle.
Prequalify Now
Fast decisions. Used truck approvals. Loans up to $250K.
Let’s get you back on the road—with a truck that works as hard as you do.
