Financing · Tampa, FL

Truck Financing

Finance your next refuse truck through our network of commercial equipment lenders. New or used, single truck or full fleet — we help you find competitive financing structures that preserve cash flow and put working capital back in your business.

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Call Now (813) 241-0711 Multi-Lender Network Best Rate Discovery Established Fleets Little To No Down

Apply. Approve. Drive.

Preserve Cash Flow

Spread the cost of a truck over manageable monthly payments instead of tying up working capital in a single purchase.

Build Business Credit

Consistent payments on commercial equipment financing build your business credit profile, supporting future growth.

Tax-Deductible Interest

Interest paid on business equipment loans is generally deductible as a business expense. Consult your tax advisor for your situation.

Section 179 Compatible

Financed trucks still qualify for Section 179 deductions in the year placed in service — pair financing with tax savings.

Learn About Section 179 →

Payment Calculator

Estimate Your Monthly Payment

Enter the purchase price, down payment, term, and your expected interest rate to see an estimated monthly payment. Actual rates depend on your business credit profile, time in business, and loan structure.

Truck Loan Calculator

Estimate Your Payment

Adjust the values below to see how your monthly payment changes. Results are estimates only.

Purchase Details

Truck Purchase Price

Down Payment

Trade-In Value (Optional)

Loan Terms

Loan Term (Months)

Interest Rate (APR)

3%8.5%

Estimated Payment

Truck Price

$180,000

Down Payment + Trade-In

$20,000

Amount FinancedPrincipal of the loan

$160,000

Estimated Monthly PaymentPrincipal & interest, before taxes/fees

$3,283

Total Interest Paid

$36,959

Total Cost (All Payments + Down)

$216,959

Estimates only. Actual rates and payments vary based on credit profile, time in business, loan structure, and lender terms.

Financing Options

Choose The Right Structure

Different operations have different financing needs. We can help you compare loans, leases, and credit structures to find the right fit for your business.

Equipment Loan

Traditional financing with fixed monthly payments. You own the truck outright and build equity with each payment.

Fixed monthly payments
You own the truck at end of term
Section 179 deduction in year 1
Build business credit history

Best for: Owner-operators & long-term fleet builders

Equipment Lease

Lower monthly payments with options to purchase, return, or upgrade at end of term. Multiple lease structures available.

Lower monthly payments than financing
$1 buyout, FMV, or TRAC structures
Easier truck replacement cycles
Lease payments may be deductible

Best for: Operators on regular replacement cycles

Fleet Line of Credit

Pre-approved purchasing power for multi-truck fleet operators. Draw funds as needed when expanding or replacing units.

Pre-approved credit limit
Flexible purchasing across units
Fast deployment when needed
Interest only on funds drawn

Best for: Multi-truck fleet operators

Why Finance Through RDK

More Than Just A Dealer

We've been selling refuse trucks since 1997. We know what lenders want to see on commercial truck applications, and we work with multiple equipment lenders to find you competitive structures.

Multiple Lender Relationships

Rather than locking you into one bank, we shop your application across our network of commercial equipment lenders so you can compare rates and terms across structures.

Specialized In Refuse Trucks

Commercial refuse trucks aren't standard equipment. Our lenders understand the residual values, useful life, and specific applications of front loaders, rear loaders, roll-offs, and grapples.

Fast Application Turnaround

Most commercial equipment applications get a decision within 24–48 hours. We help you prepare a complete application package up front to avoid back-and-forth delays.

New, Used & Off-Lease

Financing isn't just for new trucks. Our lender network finances used and off-lease refuse trucks too, so you can match financing structure to truck price and condition.

Common Questions

Financing FAQs

What credit score do I need to finance a refuse truck?

Commercial equipment financing typically looks at both your business credit profile and your personal credit. While there's no single cutoff, most lenders in our network can work with applicants who have a personal FICO of 650+, though stronger credit unlocks better rates. Time in business (typically 2+ years), annual revenue, and a clean business credit history also factor heavily. New businesses with strong personal credit can sometimes still qualify through a personal guarantee. The best way to know your options is to apply — the application itself doesn't commit you.

How much down payment is typically required?

In many cases, ongoing, established refuse companies require little to no down payment — our lender network knows the industry and works with proven fleets that have a track record. For commercial refuse trucks more broadly, down payment requirements vary based on credit profile, time in business, and the truck being financed. Typical down payments range from 10–20% of the purchase price, though established fleets with strong credit can sometimes finance with less down, and certain lease structures may require little to no down payment. Newer businesses or applicants with credit challenges may need higher down payments to offset lender risk.

How long does the approval process take?

Most commercial equipment loan applications receive a credit decision within 24–48 business hours. Once approved, funding and document signing typically follow within 3–7 business days depending on lender requirements and the time needed to coordinate title and registration. We can usually have the truck ready to deliver as soon as funding clears. If you're working toward a year-end Section 179 deadline, talk to us early to allow time for the full process.

Can I finance a used truck?

Yes. Our lender network finances both new and used refuse trucks, including units from our off-lease inventory. Used truck financing usually has shorter maximum terms than new (typically 36–60 months versus 60–84 for new), and rates may be slightly higher because the lender accounts for additional depreciation risk. Used trucks still qualify for Section 179 deduction as long as the truck is new to your business.

What's the difference between a loan and a lease?

An equipment loan means you own the truck outright and finance the purchase price, building equity with each payment. An equipment lease means you're paying for the use of the truck over a term, with options at the end (purchase, return, upgrade, or renew). Leases typically have lower monthly payments but you don't build ownership equity. Both have valid use cases — loans suit operators who want long-term ownership, leases suit operators on regular replacement cycles. Tax treatment also differs: loan interest is deductible while full lease payments may be deductible. Consult your tax advisor for your specific situation.

Can I trade in my current truck as part of financing?

Yes. Trade-in value reduces the amount you need to finance just like a down payment does. We appraise your current truck and apply its value to the new purchase. This is often the easiest way to upgrade your fleet without needing significant cash on hand. Use our calculator above to model how a trade-in changes your monthly payment.

Financing Disclaimer

RDK Truck Sales is a refuse truck dealer, not a bank, lender, or financial advisor. The calculator and information on this page are for general informational and illustrative purposes only. Actual financing terms, rates, monthly payments, and approval depend on your business credit profile, time in business, annual revenue, the specific truck being financed, and current lender criteria. All financing is provided by independent third-party commercial equipment lenders and is subject to credit approval, lender underwriting, and final loan documents. Calculator results are estimates and should not be relied on as actual financing offers. Always review your final loan terms and consult with your accountant, tax advisor, or financial professional before signing any equipment finance agreement.

Ready To Start?

Get Pre-Approved On Your Next Truck

Contact our team to walk through your financing options. We'll help you prepare an application package and shop your file across our lender network so you can compare structures before you commit.

Get Pre-Approved → Browse Inventory →

Truck Financing