Trucks We Finance

Dump Truck Financing

Dump trucks are bought to work. Most of the dump buyers we see have been hauling for a contractor for years and want their own truck on the same kind of jobs. A dump truck carries a higher price tag and a heavier duty cycle than a box truck, so the cash needed at closing is larger even though the typical down payment percentage is the same.

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Dump Truck Financing At A Glance

Typical purchase price: $45,000 to $145,000
Configurations financed: Single axle through quad axle
CDL required: Yes, Class B or Class A depending on configuration
Body types: Steel and aluminum, end and side dump
Purchase price financed: $21,000 to $145,000
Down payment: Typically 30% of the purchase price
Minimum credit score: None
Credit specialty: Credit challenged buyers welcome, with no minimum credit score
Where you can buy: Licensed dealer purchases only
Approval timing: Same day approvals may be available

Every application is reviewed on its own facts. Credit is reviewed, but it is not the deciding factor. Low scores, collections, charge-offs and late payments are workable. No bankruptcy or repossession within the last 5 years.

Dump Trucks We Finance

Single axle and tandem axle dump trucks
Tri-axle and quad-axle configurations
Quad dumps and super dumps
Steel and aluminum dump bodies
End dump and side dump units
Used units from a licensed dealer inventory

What Operators Use Them For

Hauling dirt, sand, gravel and stone
Asphalt and paving work
Demolition and construction debris removal
Site preparation and excavation support
Municipal and DOT subcontract hauling

What Matters On A Dump Truck Deal

A dump truck is a higher price point than most first trucks, so the typical 30% down payment for an established business is a larger cash number even though the percentage is the same. A startup is typically 40% down and needs 2 years of industry experience.

The lender reviews the specific truck as part of the transaction, including year, make and model, mileage, truck type and specifications. The purchase price must be $21,000 to $145,000 and the truck must be purchased from a licensed dealer.

There is no minimum credit score. The construction, aggregate and site work examples on this page are educational context only, so you can independently make sure the truck fits the work your business plans to perform.