Wondering what it actually takes to get approved for a dump truck loan? We break it down step-by-step, so you know exactly what to expect — no fluff, no guesswork. Whether you're buying from a dealer, private party, or auction, our streamlined process gets you funded fast without the red tape.
Prequalify now with no impact to your credit.
We work with business owners and operators across the U.S. who rely on dump trucks to get the job done. Common industries we serve include:
General contractors & subs
Excavation and grading services
Landscaping & site prep companies
Demolition & debris removal services
Paving & asphalt crews
Recycling & hauling operators
If your job depends on moving dirt, gravel, or debris — we can help you get the truck to do it.
For more info on the types of dump truck buyers we serve, visit our Dump Truck Financing Hub.
We don’t believe in one-size-fits-all loans. Our dump truck financing programs are flexible, fast, and tailored to your business model.
Not sure where to start? This Used Dump Truck Loan Guide breaks down everything you need to know.
Here’s what you need to secure dump truck financing with us:
650+ FICO score (soft credit pull for prequalification)
2+ years in business (LLC, Corp, or sole proprietor)
Valid driver’s license
Voided business check
3 most recent months of business bank statements
Invoice, bill of sale, or online listing for the dump truck (dealer, private seller, or auction)
💡 Not sure what kind of down payment you'll need? Read our full breakdown on Dump Truck Loan Down Payment Options to see what to expect.
With over 20 years of experience in vocational vehicle financing, we’ve helped thousands of business owners get the equipment they need — fast.
Here’s what sets us apart:
Fast approvals — often in under 4 hours
0% down available for qualified applicants
We fund private party, dealer, and auction purchases
No tax returns required
Reported to business credit only
Real humans, real support, start to finish
We’re not a generic lender. We specialize in trucks, trailers, and equipment — and we know how to get deals approved that others decline.
Can I finance a dump truck from Facebook Marketplace?
Yes. We work with private sellers regularly. Just upload the listing or a bill of sale, and we’ll handle the rest.
Do I need a CDL to get approved?
You don’t need a CDL to finance the truck — but you’ll need a licensed driver to operate it if it requires one.
Do you offer 0% down loans?
Yes, we offer 0% down programs for strong borrowers. That usually means solid credit and healthy bank statements.
Can you finance in my state?
Yes — we finance in all 50 states, including California, Texas, Florida, and beyond.
What documents do I need to apply?
We only need a soft pull, a few bank statements, and a dump truck invoice or listing to get started.
Skip the long bank lines, paperwork, and slow approvals. Get a decision today.
No tax returns
Soft credit pull only
Fast 4-hour approvals
Private sellers, auctions, and dealers welcome
Apply Now or Get Prequalified in just a few minutes.
