Looking for fast, reliable dump truck financing? TruckLenders USA helps qualified buyers secure low-rate funding for new or used dump trucks—without the runaround.
We work exclusively with business owners and contractors who meet these basic requirements:
Credit score of 650 or higher
Two or more years in business
Looking to finance a Class 6–8 dump truck
Whether you're expanding your fleet or replacing an older unit, we tailor our dump truck loan programs to help you move fast and stay competitive.
Our clients include:
Independent owner-operators
Local construction firms
Municipal contractors
Hauling and excavation businesses
If you’ve been declined elsewhere or just want to work with someone who actually understands vocational truck deals—we’re your team.
We offer flexible dump truck financing structures to match your cash flow and timeline. Programs include:
Standard Term Loans: 24–72 months, competitive fixed rates.
Low Down Payment Financing: Start with as little as 5–10% down.
Used Dump Truck Loans: Financing for trucks up to 10 years old.
Seasonal Payment Plans: Custom schedules to match jobsite income cycles.
Vendor Preapproval: Get funding lined up before you shop.
We also provide options for first and last payment structures, skip payments, and deferred starts—ask us what’s available for your state or vendor.
Explore our Used Dump Truck Loan page for more info on financing pre-owned vehicles.
We only fund borrowers who are likely to get approved. Here’s what lenders want to see:
650+ FICO score (business owner or guarantor)
2+ years in business (LLC, Corp, or Sole Prop)
3 months business bank statements
Driver’s license + voided check
Equipment invoice or listing
Want to make sure you're ready? Use our Dump Truck Loan Down Payment Guide to prep your paperwork and avoid delays.
New dump trucks often qualify for the best rates and longest terms. You’ll usually get:
Lower interest rates
Warranties included
Easier approvals
Used dump trucks can save you cash upfront, but come with tighter lender requirements. We can finance:
Trucks up to 10 years old
Dealer or private party sales
Not sure what’s best? We’ll break down your monthly payment options so you can choose what works best for your budget.
With over 30 years of experience, Trucklenders USA has helped countless businesses secure the financing they need. Here’s why professionals choose us:
Contractor? Check out our Dump Truck Financing for Contractors hub for specific tips and options tailored to your trade.
How much do I need for a down payment?
With credit above 700, you can qualify for 0% down. Lower credit may require a higher down payment. Typically 10-20%.
Can I finance a used dump truck from a private seller?
Yes. We work with both dealer and private party sales, as long as the equipment meets age and condition guidelines.
What if I already have an equipment loan?
No problem. We regularly fund additional trucks for businesses with existing loans—just ask us about your situation.
Do I need a CDL to qualify?
Not always. Some lenders will finance non-CDL dump trucks as long as the borrower meets other qualifications.
How long does approval take?
Most deals are pre-approved within 4 hours once we have your full application and supporting docs.
Can I apply before finding a truck?
Absolutely. Prequalifying gives you stronger buying power and helps you move faster once you find the right unit.
Stop rate-shopping. Start closing. TruckLenders USA gets deals done for contractors and business owners who are ready to grow.
Apply Now—we’ll handle the rest.
