Water Truck Financing
Water trucks are job site equipment more than freight equipment. They are bought by grading contractors, road builders and site work companies that need dust control and compaction water on demand rather than rented by the day. The tank, pump and spray system are part of what is being financed alongside the chassis.
Water Truck Financing At A Glance
- Typical purchase price
- $35,000 to $120,000
- Configurations financed
- Single and tandem axle tank chassis
- CDL required
- Usually yes, Class B or above
- Spray and pump systems
- Included in the financed amount
- 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.
Water Trucks We Finance
- Tank trucks with spray bars and rear spray heads
- Pump and hose reel equipped water trucks
- Single axle and tandem axle water tank chassis
- Off-road and on-road configurations
- Used units from a licensed dealer inventory
What Operators Use Them For
- Construction site dust control
- Soil compaction and grading support
- Road building and asphalt prep
- Agricultural and rural water hauling
- Municipal street and landscape watering
What Matters On A Water Truck Deal
The lender reviews the specific truck as part of the transaction, including year, make and model, mileage, truck type and specifications. On a water truck the tank, pump and spray system are part of those specifications.
The purchase price must be $21,000 to $145,000 and the truck must be purchased from a licensed dealer. An established business is typically 30% down and a startup is typically 40% down with 2 years of industry experience.
There is no minimum credit score. The dust control, grading, agricultural and municipal watering examples on this page are educational context only, not HMTL underwriting requirements.
Read Before You Apply
Ready To Finance Your Water Truck?
Send us the truck you found at the dealer and we will tell you where you stand. No obligation.
Other Trucks We Finance
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