Dump truck loans and leases — new and used, dealer or private party. Application-only for qualifying businesses, with terms up to 72 months. Financing available nationwide.
Also financing: Skid steers · Excavators · Cranes & boom lifts · All construction equipment
Whether you're comparing a dump truck loan, a lease, or dealer financing, the structure is what matters. Rates vary by credit profile, time in business, and the truck's age and mileage. Representative program structure:
| Program | Typical structure |
|---|---|
| Application-only | Up to $100K for qualifying businesses — no financial package |
| Terms | 24–72 months |
| Equipment | New & used, dealer or private party |
| Transaction size | $10K–$500K |
| Structures | Equipment loans (you own it) and leases (lower payment, flexible end-of-term) |
Four things move an equipment financing rate more than anything else: your credit profile, time in business, the equipment's age and type, and the term length you pick. Newer machines and shorter terms price better; newer businesses price higher than established ones and put money down up front. Application-only deals trade a slightly higher rate for speed and zero paperwork — for most working contractors that trade is worth it.
The honest answer to “what’s the rate?” is that a real quote takes about two minutes of information — that’s the form above. Payment calculators only get you a ballpark, because payment depends on credit, term, and the machine’s age. No obligation, no credit pull to see options.
Rates, terms, and approval vary by applicant and are not guaranteed. All programs subject to credit approval.
Used dump trucks are financeable up to 10 years old / 750,000 miles, titled and road-ready. Older or higher-mileage trucks are case-by-case.
Yes — plainly. One truck or a fleet, owner-operators qualify. Dump trucks are core program equipment, not an exception.
Payment depends on the price, the term you pick (24–72 months), your credit profile, and the machine’s age — which is why an online payment calculator only gets you a ballpark. The two-minute form returns real options with real numbers: no obligation, no credit pull to see them.
Yes — dump trailers are small-ticket, fast-turn deals, most well inside application-only territory. Same two-minute form; pick dump trailer as the equipment type.
Yes — private-party used deals are a normal part of the program, including trucks bought directly from another operator.
Newer businesses can qualify — on a higher credit profile than an established business, and with money down up front. How much higher depends on the machine. Established businesses qualify on a lower profile and on larger deals.
Yes — financing is available nationwide. Apply online and fund a machine from any dealer or private seller near you.
Fill out a short form — your business, the equipment, and roughly how much. About two minutes, no obligation.
A financing specialist will contact you during business hours to confirm details and go over your financing options.
Documents are collected through a secure portal — never by email — and your approval moves to funding.