CAB-OVER DIESELIsuzu NPR / NRR
- Tight residential sites
- Best fuel economy
- No CDL required
SJR COMMERCIAL · DUMP TRUCK DIVISIONOwn the Dump Truck.
Own the Dump Truck.
Keep the Margin.
You already do the work. Stop renting trucks by the day or paying someone else to haul. Own your dump truck through Sansone Jr's Commercial and keep the $80 to $120 an hour for yourself. Approved with low credit or ITIN — even if the banks already said no.
Takes 2 minutes. No SSN required. Won't hurt your credit to ask.
$10K–$15K off book We own the bank Low credit & ITIN approved 65 years in NJ Hablamos Español
WHERE THE WORK COMES FROM
A wide variety of dump-truck work across NJ
Landscape & Hardscape
Mulch, soil, stone, debris — $80–$110/hr
Site & Excavation
Dirt, fill, aggregate — $90–$120/hr
Junk & Demo Cleanup
Per-load hauling — $90–$150/load
Snow & Ice (NJ Winter)
Seasonal contracts — $100+/hr
THE MATH YOU ALREADY DID AT 2AM
A rental dump is $300–$500 a day. Subbing it out gives away your margin.
The truck always paid for itself. The blocker was never the work — it was getting approved without getting laughed out of a dealership for your credit or your ITIN.
That's the part we fixed.
WE'VE 65 YEARS' EXPERIENCE
A 65-year NJ family business. Not a guy in a rented Lambo.
The bad-credit commercial-truck space is a scam swamp. Walk-in lots, in-house lending, a real warranty, and a phone number that gets answered — that's the difference.
In-house approvals92%
ITIN buyers welcomed100%
Trucks priced below book95%
THE OFFER
Three things stacked in one shop — nobody else does this.
01
$10K–$15K below book
We build dumps to order and price them well under JD Power book value. You start with equity instead of underwater — that's why the bank says yes and gives you better payments.
02
We own the bank
NJ Auto Lending underwrites in-house. Low credit, past repos, and ITIN are all approved here. No third-party lender. Down payment assistance available.
03
Built to build credit
Every on-time payment reports to the bureaus. At 50% paid you can refinance lower or cut the payment about 30%. Your first truck is your proof of concept.
SPEC EDUCATION
The truck doesn't change your effort. It changes your output.
Pick the wrong class or body and the cheapest truck on paper becomes the most expensive one in the field. Here's what actually matters.
Class 4
F-450 · Isuzu NPR
Payload: 2–3 tons
Best for: Tight residential sites, landscaping crews, daily city driving.
Class 5
RECOMMENDEDF-550 · Ram 5500 · Chevy 5500
Payload: 4–5 tons
Best for: 2–3 more loads a day, same effort. Max payload — still no CDL required.
Mason Dump
Low sides, reinforced floor
Payload: Dense material
Best for: Stone, concrete, fill, aggregate.
Landscape Dump
High sides
Payload: Bulky / light material
Best for: Mulch, topsoil, debris, demo.
DUE DILIGENCE
Check the hydraulics — repairs start at $5,000. Look at the frame for stress cracks at the hitch and rear axle. Highway miles age a dump less than local stop-and-go. Every truck on our lot is fully serviced before sale and backed by a real commercial warranty.
HOW IT WORKS
Four steps. No dealership runaround.
01
Answer a few questions
2 minutes. No SSN to start. We need enough to run your file.
02
We run it in-house
NJ Auto Lending underwrites. Most buyers hear back the same day.
03
Pick your truck
Choose from dozens ready now, or we'll custom-build the body to your work.
04
Drive it to work
Truck pays for itself. Every on-time payment builds your credit.
INCOME REALITY
A working dump truck bills $80–$120/hr.
The low numbers online are one-off landscaper runs. With steady contracts, contractors net $3,000 to $8,000 a month per truck. Here's where the work comes from in NJ:
Landscape & hardscape (mulch, soil, stone, debris)$80–$110/hr
Site & excavation (dirt, fill, aggregate)$90–$120/hr
Junk & demolition cleanup$90–$150/load
Snow & ice (NJ winter)$100+/hr seasonal
Honest line: Income depends on your work, your contracts, and how often the truck runs. We sell you the truck and the approval. The hustle is yours.
SJR Commercial
Dump Truck Division · Keyport, NJ
WHAT'S ON THE LOT
Dozens ready now. Or we custom-build the body to your work.
CAB-OVER DIESEL
6.7L POWERSTROKE DIESELFord F-450 / F-550
- Crew-cab options
- Heavy payload
- Familiar drivetrain
REINFORCED CHASSIS-CABRam 5500 Mason Dump
- Built for stone & concrete
- Class 5 payload
- Mason-dump body in-house
NEED A TRUSTED PARTNER?
Same-day approvals from the people who own the bank.
WHY SJR
Trust signals that hold up.
65 yrs
Three generations, family-owned in NJ since 1960
Own the bank
NJ Auto Lending underwrites in-house
ITIN ✓
No SSN required to start an application
East Coast
Buyers driving in from CT, FL, GA
Licensed NJ Dealer BBB Registered GAP Available Real Commercial Warranty Hablamos Español
FIND OUT IF YOU QUALIFY
2 minutes. No SSN. Won't hurt your credit.
Answer a few questions and we'll run your file in-house. Most buyers hear back the same day from a real person at our NJ commercial desk.
- Low credit, past repos, thin files — all approved here
- ITIN buyers welcomed — large share of our book
- Down payment assistance programs available
- English & Español · Hablamos Español
2-MINUTE QUALIFIER
Step 1 of 8
See If You're Approved
No SSN required. Won't hurt your credit to ask.
QUESTION 1
What do you need the truck for?
CLIENT REVIEW
"Walked in with an ITIN and a past repo. Drove out with my own F-550 the same week. Now I'm billing my own contracts instead of subbing out — and the payment ends."
SJR Commercial Buyer
Landscape contractor · Middlesex County, NJ
QUESTIONS WE HEAR DAILY
Straight answers.
Yes. We approve low credit, past repos, and thin files every week. We own NJ Auto Lending and underwrite in-house — there's no third-party bank to say no first. The only way to know what you qualify for is to let us run it. Asking won't hurt your credit.
Stop renting someone else's truck.
Own yours this month.
Licensed NJ dealer since 1960. In-house lending. Low credit and ITIN welcome. It costs nothing to ask.
Hablamos Español