<PAGE>   1

                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D.C. 20549

                            ------------------------

                                    FORM 10-K

       [x]    ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
              EXCHANGE ACT OF 1934 [FEE REQUIRED] FOR THE FISCAL YEAR ENDED JUNE
              30, 2000

                                       OR

       [ ]    TRANSACTION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
              SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED] For the
              transition period from ___________ to ___________

              Commission file number 333-74901


                           DVI RECEIVABLES CORP. VIII
             (Exact name of registrant as specified in its charter)

                 Delaware                                        33-0608442
        (State or other jurisdiction of                     (I.R.S. Employer
         incorporation or organization)                     Identification No.)


                                 2500 York Road
                           Jamison, Pennsylvania 18929
                    (Address of principal executive offices)

       Registrant's telephone number, including area code: (215) 488-5000

           Securities registered pursuant to Section 12(b) of the Act:
                                      NONE

           Securities registered pursuant to Section 12(g) of the Act:
                                      NONE

        Indicate by checkmark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
requirements for the past 90 days. YES [X ] NO [ ]

        Indicate by check mark if disclosure of delinquent filers pursuant to
Item 405 of Regulation S-K is not contained herein, and will not be contained to
the best of registrant's knowledge, in definitive proxy or information
statements incorporated by reference in Part III of this Form 10-K or any
amendment to this Form 10-K. Not applicable.

        Aggregate market value of voting and non-voting stock held by
non-affiliates of the Registrant as of June 30, 2000. Zero.

        Number of shares of common stock outstanding as of June 30, 2000. 100
shares.

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                                     PART I


ITEM 1.  BUSINESS

         This Annual Report on Form 10-K relates to DVI Receivables Corp. VIII,
a limited purpose corporation organized under the laws of the State of Delaware
in December, 1998 (the "Registrant"), and its wholly owned subsidiaries, DVI
Receivables VIII, L.L.C., DVI Receivables X, L.L.C., and DVI Receivables XI,
L.L.C., all limited purpose Delaware corporations formed in December 1998, June
1999, and November 1999, respectively (collectively with the Registrant, the
"Company"). The Company does not intend to engage in any business or investment
activities other than acquiring, owing, leasing, transferring, receiving or
pledging the assets transferred to the Company pursuant to a Contribution
Agreement or Pooling Agreement. The Registrant's articles of incorporation limit
the Company's business and investment activities to the above purposes and to
any activities necessary, suitable or convenient to accomplish the foregoing or
incidental thereto. Accordingly, there is no relevant information to report in
response to Item 101 of Regulation S-K.

ITEM 2.  PROPERTIES

         The Registrant does not have any physical properties. Accordingly, this
item is inapplicable.

ITEM 3.  LEGAL PROCEEDINGS

         There are no material pending legal proceedings involving the
Registrant.

ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

         No votes or consents of security holders were solicited during the
preceding fiscal year for any purpose.


                                     PART II


ITEM 5.  MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

         There is no established public trading market for the common equity
securities of the Registrant.

         As of June 30, 2000, there was one registered common equity security
holder.

         The Registrant pays no dividends with respect to the common equity
securities.

ITEM 6.  SELECTED FINANCIAL DATA

         The regular monthly report form, which the Trustee is required to
include with each monthly distribution of Company assets to the security holders
(the "Monthly Reports") sets forth for the prior calendar month, as well as
cumulatively, all of the relevant financial information required by the
Indenture to be reportable to security holders.

         The Monthly Reports for the months ending July 31, 1999 through June
30, 2000, filed under Current Reports on Form 8-K, are incorporated herein by
reference.

         The foregoing presents all relevant financial information relating to
the Company. Because of the limited business activity of the Company, the
Selected Financial Data specified in Item 301 of Regulation S-K would not
provide meaningful additional information.


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ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
         RESULTS OF OPERATIONS

         Because of the limited business activity of the Company, the
presentation of Management's Discussion and Analysis of Financial Condition and
Results of Operations, as otherwise required by Item 303 of Regulation S-K,
would not be meaningful. All relevant information is contained in the Monthly
Reports (filed under Current Reports on Form 8-K) as described above.

ITEM 7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

         Because of the limited business activity of the Company, the
presentation of Quantitative Disclosures about Market Risk, as required by Item
305 of Regulation S-K, would not be meaningful. All relevant information is
contained in the Monthly Reports (filed under Current Reports on Form 8-K) as
described above.

ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

         As discussed above, furnishing the traditional financial information
required by Item 8 of Form 10-K would not add relevant information to that
provided by the foregoing statements. Because the securities are essentially
"passthrough" securities, the Company will have "income" only in the limited
sense of collecting payments on the receivables. The only material items of
"expense" for the Company will be the amounts paid as servicing compensation and
potentially certain payments relating to any credit enhancement facility. The
Monthly Reports contained in the Current Reports on Form 8-K provide complete
information on the amounts of the "income" and "expenses" of the Company.

ITEM 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
         FINANCIAL DISCLOSURE

         None.


                                    PART III


ITEM 10.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

<TABLE>
<CAPTION>
DIRECTORS:
----------

NAME                         AGE            POSITION
----                         ---            --------
<S>                          <C>            <C>
John P. Boyle                50             Director since 1998

Jeffrey M. Medaglio          45             Director since 1999

William A. Norris, III       49             Director since 1999

Lisa J. Cruikshank           41             Director since 1998
</TABLE>

<TABLE>
<CAPTION>
EXECUTIVE OFFICERS:
-------------------

NAME                         AGE            POSITION
----                         ---            --------
<S>                          <C>            <C>
Steven R. Garfinkel          57             Executive Vice President and CFO since 1998

Lisa J. Cruikshank           41             Vice President since 1998

John P. Boyle                50             Vice President and CEO since 1998

Melvin C. Breaux             59             Secretary since 1998
</TABLE>



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<PAGE>   4

         John P. Boyle is a director and a vice president of the Registrant. He
is vice president and chief accounting officer of DVI, Inc. His primary
responsibility is managing the accounting, tax and financial reporting
functions. Mr. Boyle is a General Securities Principal and a CPA with twenty
years of experience in the financial services industry. Mr. Boyle spent five
years of his career with Peat Marwick Mitchell & Co. in Philadelphia. Beyond his
accounting background, he has extensive experience in credit and corporate
finance matters. Mr.. Boyle received his Bachelor of Arts degree from Temple
University.

         Jeffrey M. Medaglio is a director of the Registrant. He currently runs
his own estate and tax planning business. Mr. Medaglio is a CPA and an attorney.
Previously, Mr. Medaglio worked for the accounting firms of Bergey, Yoder,
Sweeney, Witter & Rolan, Kreischer, Miller & Company, Coopers & Lybrand and
Deloitte & Touche with various responsibilities including tax manager. He is a
graduate of Villanova University and Villanova School of Law. In addition, Mr.
Medaglio has a master of laws in taxation.

         William H. Norris, III is a director of the Registrant. He is a
chartered financial consultant with Karr Barth Associates, Inc., which provides
insurance, investment and tax planning services to individuals, business owners
and corporations. Previously, he spent 10 years with Meritor Financial Group as
director of corporate budget and assistant vice president of investor relations.

         Lisa J. Cruikshank is a director and vice president of the Registrant
and a vice president of DVI Financial Services Inc. Her primary responsibility
is managing the treasury functions of DVI Financial Services including
securitization. Before joining DVI Financial Services, Inc., Ms. Cruikshank was
an assistant vice president in management reporting and planning at CoreStates
Bank, N.A. Previously, she was vice president and assistant controller at
Independence Bancorp. Ms. Cruikshank received her Bachelor of Science degree
from Cedar Crest College and her Master of Business Administration degree from
LaSalle University. She is a certified management accountant and a certified
financial manager.

         Melvin C. Breaux is a director and secretary of the Registrant and a
vice president and general counsel for DVI, Inc. Prior to joining DVI, Inc., Mr.
Breaux was a partner in the Philadelphia law firm of Drinker, Biddle & Reath. As
a member of that firm's banking and finance department, he specialized in
secured and unsecured commercial lending transactions, a wide variety of other
financing transactions and the general practice of business law.

         Steven R. Garfinkel is executive vice president and chief financial
officer of the Registrant and DVI, Inc. His responsibilities include corporate
finance, loan funding, balance sheet management, treasury, accounting and
financial reporting, internal control, financial and strategic planning, and
human resources. Mr. Garfinkel has extensive experience in developing and
managing corporate finance relationships, money market funding, derivative
hedging, financial planning and management information systems. Prior to joining
DVI, Inc., Mr. Garfinkel spent twenty-nine years with two large bank holding
companies: CoreStates Financial Corp. and First Pennsylvania Corporation. For
twenty years he was either controller or treasurer of those organizations. Mr.
Garfinkel received his Master of Business Administration degree from Drexel
University and his Bachelor of Arts degree from Temple University.

ITEM 11.  EXECUTIVE COMPENSATION

         Jeffrey M. Medaglio and William A. Norris, III, the independent
directors, are each paid $750 annually.

         There is no compensation for executive officers and the remaining
directors.

ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT


        (1)              (2)                     (3)                   (4)
                  Name and address        Amount and nature of
Title of class    of beneficial owner     beneficial ownership      % of class
--------------    -------------------     --------------------      ----------
Common equity     DVI Financial           100 shares                100%
                  Services, Inc.
                  2500 York Road
                  Jamison, PA 18929
                                       3
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ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

        None.


                                     PART IV

ITEM 14.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

        (a)(1) Financial Statements (not applicable)

        (a)(2) Financial Statement Schedules (not applicable)

        (a)(3) Exhibits

<TABLE>
<CAPTION>
                                                             Reference to prior
     Regulation S-K                                           filing or Exhibit
         Exhibit                                               number attached
         Number                 Document                             hereto
     --------------       -----------------------------       ---------------
<S>                     <C>                                     <C>
         3.1            Amended and Restated Certificate of           (1)
                        Incorporation of Registrant

         3.2            Bylaws of Registrant                          (2)

         4.1            Amended and Restated Indenture, dated         (3)
                        December 1, 1998, between DVI
                        Receivables VIII, L.L.C. and U.S.
                        Bank Trust National Association

         4.2            Amended and Restated Contribution and         (3)
                        Servicing Agreement, dated December 1,
                        1998, by and between DVI Financial
                        Services, Inc. and Registrant

         4.3            Amended and Restated Subsequent Contract      (3)
                        Transfer Agreement, dated December 1,
                        1998 between Registrant and DVI
                        Receivables VIII, L.L.C.

         4.4            Amended and Restated Limited Liability        (3)
                        Company Operating Agreement, dated
                        December 1, 1998, by and between
                        Registrant and DVI Receivables
                        VIII, L.L.C.

         4.5            Amended and Restated Indenture, dated         (4)
                        June 1, 1999, between DVI
                        Receivables X, L.L.C. and U.S. Bank
                        Trust National Association

         4.6            Amended and Restated Contribution and         (4)
                        Servicing Agreement, dated June 1,
                        1999, by and between DVI Financial
                        Services, Inc. and DVI Receivables Corp. X

         4.7            Amended and Restated Subsequent Contract      (4)
                        Transfer Agreement, dated June 1, 1999
                        between DVI Receivables Corp. X and DVI
                        Receivables X, L.L.C.
</TABLE>


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<PAGE>   6


<TABLE>
<S>                     <C>                                          <C>
         4.8            Amended and Restated Limited Liability       (4)
                        Company Operating Agreement, dated
                        June 1, 1999, by and between Registrant
                        and DVI Receivables X, L.L.C.

         4.9            Amended and Restated Indenture, dated        (5)
                        December 1, 1999, between DVI Receivables
                        XI L.L.C. and U.S. Bank Trust National
                        Association

         4.11           Amended and Restated Contribution and        (5)
                        Servicing Agreement, dated December 1,
                        1999, by and between DVI Financial
                        Services, Inc. and DVI Receivables
                        Corp. XI

         4.12           Amended and Restated Subsequent Contract     (5)
                        Transfer Agreement, dated December 1,
                        1999 between DVI Receivables Corp. XI
                        and DVI Receivables XI, L.L.C.

         4.13           Amended and Restated Limited Liability       (5)
                        Company Operating Agreement, dated
                        December 1, 1999, by and between
                        Registrant and DVI Receivables XI, L.L.C.

         19.1           Report furnished to security holders
                        (Monthly Reports - see (b) below)

         21.1           Subsidiaries of the Registrant               21.1

         99.1           Independent Accountants' Report              99.1
</TABLE>

(1)      Previously filed as an exhibit to the Registrant's Current Report on
         Form 8-K dated October 28, 1999

(2)      Previously filed as an exhibit to the Registrant's Registration
         Statement on Form S-3 (File No. 333-74901)

(3)      Previously filed as an exhibit to the Registrant's Current Report on
         Form 8-K dated August 10, 1999

(4)      Previously filed as an exhibit to the Registrant's Current Report on
         Form 8-K dated October 28, 1999

(5)      Previously filed as an exhibit to the Registrant's Current Report on
         Form 8-K dated May 11, 2000

         (b)      Current Reports on Form 8-K

                  Current Reports on Form 8-K were filed on:

               July 16, 1999                February 25, 2000
               July 23, 1999                March 24, 2000
               August 10, 1999              April 19, 2000
               September 30, 1999           May 1, 2000
               October 19,1999              May 2, 2000
               October 20, 1999             May 9, 2000
               October 27, 1999             May 11, 2000
               November 12, 1999            May 19, 2000
               November 23, 1999            May 22, 2000
               November 24, 1999            June 20, 2000
               December 28, 1999            August 3, 2000
               January 21, 2000             August 25, 2000



                                       5
<PAGE>   7



                                   SIGNATURES

        Pursuant to the  requirements  of Section 13 or 15(d) of the  Securities
Exchange Act of 1934, the Registrant has duly caused this report to be signed on
behalf  of  DVI  Receivables  Corp.  VIII  by  the  undersigned  thereunto  duly
authorized.


                                                DVI Receivables Corp. VIII


                                                By: /s/Lisa J. Cruikshank
                                                    ---------------------
                                                Name:  Lisa J. Cruikshank
                                                Title: Vice President



        Dated: September 26, 2000



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<PAGE>   8


                                  EXHIBIT INDEX

<TABLE>
<CAPTION>
Exhibit No.                         Document
-----------             ------------------------------------------
<S>                     <C>
   21.1                 Subsidiaries of the Registrant

   99.1                 Independent Accountants' Report
</TABLE>




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