Trucks We Finance

Trash Truck Financing

Trash trucks are route equipment. Most garbage truck buyers we see are already working a route, whether that is a municipal contract, a subcontract under a larger hauler, or a residential subscription book being taken over. Whether the work supports the truck you are buying is a business question for you to work out independently.

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Trash Truck Financing At A Glance

Typical purchase price: $55,000 to $145,000
Body types financed: Rear, side and front loaders
CDL required: Yes, Class B or above
Truck information reviewed: Year, make, model, mileage, type and specifications
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.

Trash Trucks We Finance

Rear loader refuse trucks
Automated and manual side loaders
Front loader commercial refuse trucks
Single axle and tandem axle refuse chassis
Used units from a licensed dealer inventory

What Operators Use Them For

Residential curbside collection routes
Commercial dumpster service
Municipal sanitation subcontracts
Apartment and HOA waste service
Recycling collection routes

What Matters On A Trash Truck Deal

The lender reviews the specific truck as part of the transaction, including year, make and model, mileage, truck type and specifications. The packer body and hydraulics are part of those specifications on a refuse truck.

Refuse trucks run at the top of the $21,000 to $145,000 range, so plan the cash at closing accordingly. An established business is typically 30% down and a startup is typically 40% down with 2 years of industry experience.

The truck must be purchased from a licensed dealer and there is no minimum credit score. The route, contract and recycling examples on this page are educational context only, not HMTL underwriting requirements.