Trailers are the easiest ticket to approve and the easiest to get wrong on structure. Match the term to the trailer's life, not the truck's, and keep the payment where the lane can carry it.
What we finance
How trailer deals differ
- Age is more flexible. A 2012 flatbed is a normal file. Vans and reefers get a harder look at the reefer unit's hours and the floor condition.
- Titled equipment. The lender is lienholder on the title, same as a truck. Private-party trailers need the seller's title in hand and a lien check.
- Trailer pools. Carriers adding five or ten vans can get one approval and one document set, with units added as they are delivered.
- Bundle with the tractor or the machine. Truck and trailer together, or excavator and lowboy together, on one application and one payment.
Who buys trailers through us
Owner-operators moving from company trailer to their own, small carriers building a pool, excavation and landscaping contractors who need to move their own machines, farms hauling grain and livestock, and auto transporters. Start-ups do well here because the ticket is small and the collateral is liquid.
What a payment can look like
Rough ranges so you can budget before you call a dealer.
| Amount financed | Term | Strong credit | Average credit | Challenged or start-up |
|---|---|---|---|---|
| $22,000 | 36 mo | $699/mo | $740/mo | $794/mo |
| $48,000 | 48 mo | $1,192/mo | $1,285/mo | $1,407/mo |
| $75,000 | 60 mo | $1,553/mo | $1,703/mo | $1,900/mo |
| $120,000 | 60 mo | $2,485/mo | $2,724/mo | $3,041/mo |
Illustrative estimates only, not offers or quotes. Real payments depend on the funding program, credit, time in business, down payment, equipment age, and documentation fees. Seeing your actual options starts with a soft credit inquiry. Run your own numbers in the payment calculator.
Questions we get
Can I finance a used trailer from a private seller?
Yes. Bill of sale, the seller's title, a lien check, and photos including the VIN plate. Inspection sometimes, depending on the program and the price.
What terms do trailers get?
Usually 36 to 60 months, up to 72 on new specialized trailers. We keep the term inside the trailer's useful life so you are not paying on something that has been retired.
Can I finance a trailer and a truck together?
Yes. One application, one approval, one payment. Same for a machine and the lowboy that moves it.
Do reefer units count?
Yes, the reefer unit is part of the trailer value. Lenders will want the unit hours and service history on used reefers.
