Whether you're hauling equipment, moving materials, or upgrading your fleet, securing the right heavy duty truck financing is key to growing your business without slowing down. At TruckLenders USA, we offer fast approvals, flexible terms, and soft credit pulls — so you can move forward with confidence.
With over 20 years of experience funding vocational and commercial trucks, we make it easy to get approved, even for used vehicles or private party purchases.
Apply now to get prequalified in minutes — with no credit impact and funding in just 4 hours.
Heavy duty trucks are essential across a wide range of industries. We work with:
Construction Contractors & Site Developers
Dump Truck & Hauling Operators
Logistics & Material Delivery Companies
Landscaping & Grading Crews
Demolition Services
Owner-Operators & Growing Fleets
We also support buyers purchasing used trucks, including those from dealers, auctions, and private sellers. If you’re looking for guidance on secondhand options, explore our Used Dump Truck Loan Guide for helpful tips.
We understand every business is different — and so are your financing needs. That’s why we offer:
Terms from 12–72 Months
0% Down Options for qualified applicants
Dealer, Auction, and Private Party Friendly
Soft Pull Prequalification (no impact on credit score)
No Tax Returns Required
4-Hour Funding Decisions
Whether you're financing a tandem axle dump truck, a Class 8 rig, or a vocational workhorse, our loan structures are built for speed and flexibility.
To learn how to minimize your upfront costs, check out our Down Payment Options for Commercial Trucks.
We work with established business owners looking to grow. Here’s what you’ll need to qualify for heavy duty truck financing:
650+ Credit Score (FICO)
2+ Years in Business
Valid Driver’s License
Voided Business Check
3 Months of Business Bank Statements
Truck Invoice, Listing, or Auction Sheet
We do not require tax returns or personal financial statements — we focus on real business performance and cash flow.
For over two decades, we’ve funded over $1 billion in vocational and commercial truck loans. Our process is designed to help you succeed — not slow you down.
Here’s what makes us the go-to choice for heavy duty truck financing:
20+ Years of Industry Experience
Fast 4-Hour Approvals
0% Down Available
No Tax Returns Required
Soft Credit Pull — Prequalify with No Score Impact
Dealer, Auction, and Private Seller Support
Available in All 50 States
We know trucks. We know business. And we know how to move fast — just like you.
Can I finance a heavy duty truck from Facebook Marketplace or Craigslist?
Yes — we fund private party purchases. Just send us the listing or invoice, and we’ll walk you and the seller through the process.
Do I need a CDL to qualify?
Not always. CDL requirements depend on the truck’s weight class and your state. We base approvals on your business profile and documentation, not just your license class.
What types of trucks qualify for 0% down?
Newer trucks (under 10 years old), clean titles, and mileage under 250,000 are most likely to qualify — especially when paired with strong credit and bank history.
Can you finance in my state?
Yes — we provide heavy duty truck financing in all 50 states, from major metros to rural areas.
How soon can I get approved?
Most applicants receive a decision within 4 business hours after submitting required documentation.
You’re building something big — and you need the right equipment to do it. Don’t let traditional banks slow you down.
With TruckLenders USA, you can:
Get prequalified with a soft credit pull
Skip the tax returns
Choose from flexible term lengths
Get approved in 4 hours or less
Finance from any seller — private, auction, or dealer
Apply Now — and get the truck you need to keep your business moving forward.
