Financing & rent-to-own
Get into your trailer your way.
Factory-direct pricing is only half of it — we make it easy to pay over time too. Finance your 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.
Three ways to pay
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 instalments. Best when you have established credit, and good for businesses that want the tax treatment.
Rent-to-own
No credit-score barrier and no big lump sum. Take the trailer home today and own it at the end of a flexible payment plan — pay it off sooner and it costs less.
Bring your own lender
Already have a bank or credit union you like? Perfect. We provide a detailed invoice and all the paperwork they need to fund your trailer.
Our financing partners
Trusted lenders we work with
We aren't a lender — we partner with specialists so you can compare real options. Apply directly with any of them, or let us point you to the best fit.
Commercial Options
Clicklease
Small-business equipment lease-to-own
Fast 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
Mazo Capital Solutions
Business & commercial equipment financing
Commercial 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
Finance a purchase
Rock Solid Funding
Trailer, RV & powersports loans
Veteran-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 lenders
A 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 and 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
Rent-to-own & lease-to-own
C3 Funding
Rent-to-own — all credit welcome
Lease 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
B&C Capital
Rent-to-own — no credit check
Rent-to-own built for trailers. Put 20% down, choose a 24-, 36- or 48-month term and take it home — approval isn't based on your credit score.
- No credit check — approval isn't based on your score
- 20% down, then 24, 36 or 48 months
- Funding up to $25,000
- Cargo, utility, dump, concession and specialty trailers
- Available in FL, GA, NC, TN, AL, MS, TX and LA
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 LLC is not a lender, broker or financing company and does not make credit decisions. Financing, leasing and rent-to-own programmes 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 agreements cost more than the cash price, and the type of agreement available depends on your state. Any rates, terms and figures shown are examples provided by each partner and may change without notice. Contact each provider for current details.
What a payment looks like here
2027 J&C 6x12 at $3,395 works out to about $57/mo*.
* Estimate only, with approved credit. $0 down, 0.00% APR, 60 months. Not an offer of credit.
Rent-to-own — no credit needed
Flexible weekly or monthly payments, no credit check, and the trailer is yours at the end of the term. Tell us which unit you're looking at and we'll put real numbers together.
Straight to the sales desk — no spam, ever.
Financing & rent-to-own FAQ
What do I need to apply? + −
A driver's license and basic income information gets most applications done in minutes.
Does applying hurt my credit? + −
Most of our lenders start with a soft pull for pre-qualification — the lender's site will say so before anything hard happens.
Can I pay it off early? + −
Generally yes, and with most programmes that saves you interest — confirm the terms with the lender.
Do the payments shown include tax and title? + −
Estimates are on the unit price only — tax, tag and title vary by state and are settled at purchase.