Applying for dump truck financing? Lenders today move fast — but only when you’ve got your paperwork in order. That’s why we created this dump truck loan checklist to help you get approved quickly and with confidence.
Whether you’re buying from a dealer, auction, or private seller, this guide walks you through every document you’ll need — so there are no surprises and no delays.
Get prequalified now — no credit hit, no tax returns required
Need more guidance? Start with our Dump Truck Financing Hub for programs and tips.
This checklist applies to business owners in industries like:
Construction & Excavation
Dump Services & Site Cleanup
Landscaping & Grading
Paving & Asphalt Work
Demolition & Hauling
Aggregates & Material Transport
Waste & Recycling Services
If you operate vocational trucks, this guide is for you. Whether you’re buying one unit or financing a fleet, our streamlined process is built for real businesses like yours.
Here’s the full document list we recommend having ready before you apply:
Valid government-issued ID for the applicant or guarantor.
Shows your business banking account details for loan deposits.
Used to verify cash flow and monthly revenue. PDF versions preferred.
Required for all purchases — whether from a dealer, auction, or private seller. Must show make, model, year, VIN, and sale price.
LLC/Corp paperwork or EIN letter may be requested to confirm business structure.
Lenders usually require proof of commercial truck insurance before funding.
Want to understand how each of these helps with your approval? Read our Dump Truck Loan Requirements Explained article.
Once you have your loan checklist ready, here are some of the flexible dump truck financing options available:
Term Lengths:
24 to 72 months
No early payoff penalties
Down Payments:
0% down available for well-qualified borrowers
Entry programs start at $2,500 down for newer businesses
Purchase Support:
Dealers (new or used)
Private party sellers (Craigslist, Facebook, etc.)
Auction sites (Ritchie Bros, IronPlanet, etc.)
Refinance and lease buyout options
Not sure how much down you’ll need? Visit our Dump Truck Loan Down Payment Guide.
To qualify for dump truck financing, most lenders (including TruckLenders USA) require:
650+ FICO Score (personal guarantor, soft pull only)
2+ Years in Business
Voided Business Check
Driver’s License
3 Months of Business Bank Statements
Truck Invoice or Listing
Don’t worry — no tax returns are required. And we help walk you through anything you're missing.
TruckLenders USA has been a leader in vocational truck financing for over 20 years. We specialize in getting deals done fast — even with unique seller types or first-time buyers.
Here’s why we’re trusted by contractors and business owners nationwide:
20+ Years Experience in Vocational Lending
4-Hour Approval Turnarounds
0% Down Programs Available
Dealer, Private Party, and Auction Friendly
Soft Credit Pull Only — No Risk to Credit
Built for Dump Trucks & Work Trucks
Can I finance a dump truck from Facebook Marketplace or Craigslist?
Yes! As long as you have a valid bill of sale or invoice, we can fund private seller purchases — even out of state.
Do I need a CDL to apply?
Not necessarily. If your dump truck is under 26,001 lbs GVWR, a CDL usually isn’t required. We also fund companies that employ CDL drivers.
What dump trucks qualify for 0% down?
Late-model dump trucks (under 7 years old), paired with strong credit and healthy cash flow, often qualify for zero down.
Can I finance a used dump truck?
Absolutely. Check out our Used Dump Truck Loan Guide to learn how to get approved for pre-owned units.
Can I finance in my state?
Yes! We offer dump truck financing in all 48 continental U.S. states.
Ready to move forward? Gather your documents using the checklist above — and we’ll take it from there.
No tax returns required
Soft pull only — no credit hit
4-hour approvals
0% down available
Private party, dealer, or auction OK
Apply Now and get prequalified in minutes — obligation-free.
