Deciding between leasing and financing a dump truck? You’re not alone. If you have 650+ credit and at least two years in business, both options are available — but the best path depends on your goals, usage, and budget. In this guide, we break down the key differences to help you make the smartest move for your business.
Ready to move forward? Prequalify in minutes — soft pull, fast approvals.
We work with contractors and business owners across the U.S. who rely on vocational trucks for their operations. Industries we commonly serve include:
Construction & Excavation Companies
Landscaping & Grading Services
Demolition & Hauling Crews
Waste & Roll-Off Services
Utility & Site Prep Contractors
Whether you're purchasing your first truck or expanding your fleet, we’re here to help you choose between leasing and financing — and get approved fast.
If you decide to finance a dump truck, here’s what’s typically available:
Loan Terms: 24–60 months
Down Payment: As low as 0% for qualified buyers
Ownership: You own the truck after payoff
Sources: We fund from private sellers, auctions, and dealerships
Flexibility: Customize terms to your cash flow
Leasing is another option, but it’s better suited for newer companies with strong credit looking for lower upfront costs, short-term use, or frequent upgrades.
If you’re buying used, check out our Used Dump Truck Loan Guide to understand resale value and long-term ROI.
Whether you lease or finance, the core requirements are similar:
650+ personal FICO score
2+ years in business
Valid driver’s license
Voided business check
3 months of business bank statements
Invoice or truck listing (dealer, private party, or auction)
Looking to minimize upfront costs? Explore our Dump Truck Loan Down Payment Options — some buyers qualify for 0% down.
We’ve been helping business owners like you for over two decades. Here’s what sets us apart:
20+ years of vocational financing experience
Specialists in dump trucks, trailers, and heavy equipment
Fast 4-hour approvals with soft credit pull
Finance private party, dealer, or auction trucks
Flexible plans with 0% down options
Still deciding between leasing or buying? Our team can help you weigh the total cost of ownership vs monthly expense — and guide you through both paths.
For pricing inspiration, check out Best Dump Trucks to Finance Under $60K.
What’s better: leasing or financing a dump truck?
It depends. Leasing offers lower upfront cost and flexibility, but financing gives you ownership and long-term value. Most contractors finance to build equity.
Can I finance a dump truck from Facebook Marketplace or Craigslist?
Yes. We fund private party purchases — just provide a listing or invoice and we’ll take care of the rest.
Do you offer 0% down on dump truck loans?
If your credit is 650+ and the truck is under 10 years old, you may qualify. Learn more here.
Can you finance in my state?
Yes — we finance dump trucks in all 50 states.
Do I need a CDL to qualify for dump truck financing?
No CDL is needed to get approved. But depending on truck class, a CDL may be required to operate it legally in your state.
Still not sure whether to lease or finance? Apply today and let our team walk you through both options.
No tax returns required
Soft credit pull won’t impact your score
Same-day approvals — as fast as 4 hours
Private seller, dealer, and auction support
Apply Now — there’s no obligation, and we’ll help you decide which path makes the most sense.
