An apparatus is disclosed for a high speed non-bruising dry bin loader for apples and other produce. Fruit is delivered to a distribution belt (28) via an infeed belt (20). The distribution belt extends into a bin (48) until it senses the bin wall. The distribution belt then begins depositing a single layer of fruit in the bin as it retracts out of the bin. When the distribution belt is fully retracted, the bin is lowered slightly to receive the next layer of fruit.