Applying for a dump truck loan shouldn’t be a mystery. If you’ve got 650+ credit and 2+ years in business, you're already on track to qualify. This guide breaks down exactly what to expect — from credit checks and documents to timelines and funding. Whether you’re buying from a dealer, auction, or private party, we’ll show you how the approval process works step-by-step.
Get prequalified today — soft pull, 4-hour approvals, no tax returns needed.
We specialize in funding vocational vehicles for business owners in high-demand industries, including:
Construction and Excavation Contractors
Grading and Hauling Services
Demolition and Site Work Crews
Landscaping and Tree Removal Businesses
Roll-Off and Waste Management Operators
If you’re looking for financing that works on your terms — fast, flexible, and friendly to non-traditional sellers — you’re in the right place.
Here’s a step-by-step breakdown of what to expect:
Initial Application & Soft Credit Pull
You submit basic business and credit info. We run a soft pull (no impact to your score) to prequalify you.
Document Collection
Once prequalified, we’ll request documents like bank statements and the invoice or truck listing. (Yes — we finance used dump trucks from private sellers.)
Underwriting Review
Our team matches your profile with the best-fit lender. We work with over 30 funding sources.
Decision Issued Within 4 Hours
You’ll typically get an approval same-day. If anything’s missing, we’ll follow up fast.
Final Invoice & Funding
Once approved, we collect a final invoice, coordinate signatures, and release funds. (This includes auction and Facebook Marketplace trucks.)
You Get the Truck
Once funding is confirmed, you're ready to roll.
Here’s what your dump truck loan could look like:
Term lengths: 24 to 60 months
Down payment: As low as 0% for qualified buyers
Truck types: New, used, dealer, private party, auction
No tax returns required in most cases
Same-day approvals and quick funding
Want a lower payment or minimal upfront cost? Check out our Dump Truck Down Payment Guide to learn how to structure the deal.
You don’t need perfect credit to get approved — just these key items:
650+ FICO score
2+ years in business
Valid driver’s license
Voided business check (for deposit)
3 months of business bank statements
Invoice or listing from a dealer, seller, or auction
Need help choosing a truck? See our guide to the Best Dump Trucks to Finance Under $60K.
We’ve helped thousands of businesses get fast financing for vocational trucks. Here’s why they choose us:
Over 20 years of experience in dump truck lending
Approvals in 4 hours or less
Soft credit pull — no score impact
0% down payment options available
We fund private party, dealer, and auction purchases
No tax returns needed for most deals
Whether you’re buying a 10-yard tri-axle or a smaller tandem axle unit, our team makes it simple, fast, and transparent.
Can I finance a dump truck from Facebook Marketplace or Craigslist?
Yes. We fund private party purchases every day. Just upload the seller listing or invoice and we’ll handle the rest.
What trucks qualify for 0% down?
Read more in our down payment guide.
Do I need a CDL to get approved?
No — a CDL isn’t required to get financing. But operating a heavy-duty truck may require one depending on state laws.
Can you finance in my state?
Yes — we finance in all 50 states.
How long does approval really take?
Most approvals are issued within 4 business hours — sometimes faster.
Don’t let slow banks or unclear lenders cost you the deal. We move fast, so you can move your business forward.
No tax returns required
Soft pull won’t affect your credit score
Private seller, auction, and dealer-friendly
Funding available within 1–2 days of approval
