Get into your trailer
your way.
Factory-direct pricing is only half of it — we also make it easy to pay over time. Finance a purchase, go rent-to-own with no credit-score barrier, or bring your own bank. We’ll match you with the right partner and handle the paperwork.
Pick the path that fits you
Every buyer is different. Here’s the simple version — then meet the partners below.
Finance & own
Own the trailer from day one and pay in fixed monthly installments. Best when you have established credit, and great for businesses that want tax advantages.
Rent-to-own
No credit-score barrier and no big lump sum. Take the trailer home today and own it after a flexible payment plan — with an early-purchase discount if you pay it off sooner.
Bring your own lender
Already have a bank or credit union you like? Perfect. We’ll provide a detailed invoice and all the paperwork they need to fund your trailer.
Trusted lenders we work with
TowYo isn’t a lender — we partner with specialists so you can compare real options. Apply directly with any of them below, or let us point you to the best fit for your situation.
Finance a purchase
Rock Solid Funding
Trailer, RV & powersports loansVeteran-owned lender specializing in trailer and recreational loans. New or pre-owned, financing from $2,500 with no maximum and low down payments available.
- Challenged credit considered (scores as low as 570)
- Rates 7.99%–19.95% based on credit
- Terms 36–240 months, no prepayment penalty
- Decisions often within the hour
Trailer Solutions Financial
Trailer-specific, shops multiple lendersA trailer-focused finance house serving the industry since 2001. They match you to the right lender for cargo, utility, car-hauler, dump and horse trailers and handle the title & registration paperwork in any state.
- Specialized in trailers since 2001
- Rates roughly 5.5%–18.95% by credit
- Compares offers from several lenders
- Title & registration handled for you
Mazo Capital Solutions
Business & commercial equipment financingCommercial finance for businesses buying a trailer as equipment. Conserve cash flow, take advantage of business tax deductions, and add lines of credit or working capital if you need them.
- 100% financing, no money down
- Potential Section 179 tax advantages
- Business lines of credit & working capital
- Minimal documentation to apply
Rent-to-own & lease-to-own
C3 Rentals
Rent-to-own — all credit welcomeLease today, own tomorrow. A rent-to-own path to ownership with no credit-score barrier — take your trailer home now and make it yours on a plan that fits your pay schedule.
- No credit-score barrier — all credit welcome
- Take the trailer home today
- Flexible & bi-weekly payment options
- Early-purchase discount, no early-payoff penalty
Clicklease
Small-business equipment lease-to-ownFast equipment lease-to-own built for small businesses. Apply in minutes, get an instant decision with no hard credit pull, and choose the payment plan that works.
- All credit scores welcome
- Instant decision up to $30,000
- No hard credit pull to apply
- 8-question application, no documents
Use any lender you choose
You’re never locked into our partners. Bring your own bank, credit union, or finance company and we’ll work with them directly — providing the invoice, specs, and title documents they need to close. Your trailer, your terms.
TowYo Trailer Sales is not a lender, broker, or financing company and does not make credit decisions. Financing, leasing, and rent-to-own programs are offered by independent third parties; all rates, terms, fees, and approvals are determined solely by those companies and are subject to credit approval. Rent-to-own / lease-to-own agreements cost more than the cash price, and the type of agreement available depends on your state. Rates, terms, and figures shown are examples provided by each partner and may change without notice. Contact each provider for current details.
Financing & Rent-to-Own FAQ
Do you offer financing?
Yes. We work with lending partners so you can finance your trailer with a simple online application. Start here.
Do you have rent-to-own?
Yes — rent-to-own is available on many units with no credit check, so it's a great option if financing isn't a fit.
How much do I need to put down?
Your down payment depends on the program and approval.
Can I get approved with less-than-perfect credit?
Often, yes. Rent-to-own in particular is designed for buyers with credit challenges since it usually doesn't require a credit check.
Can I pay my trailer off early?
Yes — most programs let you pay off the balance early.