Class 8 trucks are the backbone of America’s freight system — and whether you’re hauling dirt, logs, containers, or cross-country loads, you need financing that works fast.
This guide breaks down what to expect with Class 8 truck financing, how much you can get approved for, and what documents you’ll need to qualify — with no tax returns, no headaches, and no credit impact to apply.
Get prequalified in minutes — soft credit pull only
Need to explore your full range of loan options? Visit our Dump Truck & Vocational Financing Hub.
Our Class 8 financing programs are built for real business operators in heavy-duty applications, including:
Long-Haul & Regional Freight Carriers
Vocational Fleets (Dump, Logging, Roll-Off)
Aggregate & Material Haulers
Heavy Equipment Movers
Oilfield & Energy Transport
Construction & Site Support Logistics
Port Drayage and Container Operators
Whether you’re an independent owner-operator or managing a growing fleet, we tailor funding to your route, truck type, and cash flow.
We finance all types of Class 8 trucks — including new and used units from:
Freightliner
Kenworth
Peterbilt
Mack
Volvo
International
Western Star
and others
Terms:
24 to 72-month loans
No prepayment penalties
Payments structured to match your route frequency or seasonality
Down Payments:
0% down available for strong credit and financials
Most buyers put down 10%–15%
Startups or newer businesses may need $5,000+ down
What We Fund:
Over-the-road sleeper trucks
Day cabs
Vocational Class 8 units (dump, logging, roll-off)
Private party, dealer, or auction purchases
Lease buyouts and refinances
For used truck funding limits, read our Used Dump Truck Loan Guide.
Here’s what most Class 8 lenders (including us) look for:
650+ FICO Score (personal guarantor — soft pull only)
2+ Years in Business (LLC, Corp, or Sole Prop with EIN)
Driver’s License
Voided Business Check
3 Months of Business Bank Statements
Truck Listing or Invoice (from a dealer, auction, or private seller)
💡 Need help preparing? See our full Loan Requirements Checklist.
You’re not applying for a consumer car loan. Class 8 truck financing requires industry knowledge — and that’s where TruckLenders USA shines.
We’ve helped thousands of businesses secure funding for over 20 years. Our programs are built specifically for vocational and freight operators.
Here’s what makes us a top choice:
20+ Years of Heavy-Duty Truck Lending
4-Hour Approval Times
0% Down Available
We Fund Private Sellers, Dealers, and Auctions
Soft Pull Prequalification — No Impact to Credit
No Tax Returns Required
We’re fast, flexible, and focused on getting your truck on the road — not buried in paperwork.
Can I finance a Class 8 truck from Facebook Marketplace or a private seller?
Yes! We fund private party purchases. Just provide a detailed invoice or bill of sale with make, model, VIN, and price.
Do I need a CDL to qualify for Class 8 truck financing?
Yes — Class 8 trucks require a CDL unless you're the owner and employing a licensed driver. We fund both solo operators and fleet owners.
What Class 8 trucks qualify for 0% down?
Low-mileage, late-model trucks paired with a 700+ credit score and strong bank statements typically qualify.
Do you finance used Class 8 trucks?
Absolutely. We specialize in both new and used units. For insights on price tiers and finance caps, read our Used Dump Truck Guide.
Can I get Class 8 financing in [state]?
Yes — we fund Class 8 truck loans in all 48 continental U.S. states.
Ready to move forward with Class 8 truck financing?
No tax returns required
Soft credit pull — no risk to your score
Approval in as little as 4 hours
0% down programs available
Dealer, auction, or private party OK
Apply Now to see your loan options — no obligation, no impact on credit.
