If you’re a contractor or business owner looking for a used dump truck loan, we can help you get approved fast. At TruckLenders USA, we specialize in commercial vehicle financing—especially for buyers with solid credit (650+ FICO) and at least two years in business.
We work with construction companies, haulers, and independent owner-operators who need affordable, reliable funding for pre-owned dump trucks.
No fluff, no delays—just fast answers and real lending options.
Ready to get started? Apply now or request a quote today.
We work with California-based contractors and business owners who need funding for used vocational trucks. Whether you're hauling gravel, debris, or construction material, we understand the work and the equipment—and our lenders do too.
Our clients include:
General contractors
Excavation companies
Paving and grading crews
Owner-operators with growing fleets
If you’ve been in business at least two years and have a 650+ credit score, we can usually prequalify you in 24–48 hours. Even if you're buying from a private party or smaller dealer, we’ll help you secure the loan you need.
We offer flexible loan structures to make buying a used dump truck simple, even when working with older units or smaller sellers.
Popular financing options include:
Standard used dump truck loan: Terms from 36 to 60 months, competitive fixed rates.
Private party financing: We’ll handle the verification process so you can buy from any source.
Low down payment loans: As low as 10% down for qualified buyers.
Deferred payment options: Delay your first payment by 30–60 days (subject to approval).
Need to explore other trucks too? Learn more about dump truck financing options across the board.
To get approved for a used dump truck loan, you’ll need to meet a few basic requirements:
650+ credit score (business owner or personal guarantor)
2+ years in business (LLC, Corporation, or Sole Prop)
Proof of income (3 months of business bank statements)
Driver’s license + voided business check
Truck details (invoice or listing with specs)
We don’t work with startups or credit-challenged borrowers. Our focus is helping qualified applicants move fast and close deals with confidence.
With over 30 years of experience, Trucklenders USA has helped countless businesses secure the financing they need. Here’s why professionals choose us:
We’re not a bank. We’re a nationwide network of commercial lenders that move fast and work only in transportation and vocational equipment deals.
Getting a used dump truck loan doesn’t need to be complicated. Fill out a short form, send over your documents, and we’ll handle the rest. Most of our clients are pre-approved within 48 hours.
Start here:
Apply Now
Can I finance a dump truck from a private seller?
Yes. We work with private party sales as long as the truck meets age and condition requirements and a formal invoice is provided.
What’s the oldest truck I can finance?
Most lenders allow used trucks up to 10 years old. Newer trucks get better rates, but older units can still be approved if the condition is solid.
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%.
How long does the loan process take?
Once we receive your documents, pre-approval usually takes 24–48 hours. Full funding can happen within 3–5 business days depending on the seller.
Don’t waste time chasing lenders who don’t understand your business.
We know the market, we know the trucks, and we know how to get you approved.
Ready to move forward?
Apply Now and secure your used dump truck loan today.
