Financing

Financing

At Happy Trailers, we make buying a trailer easy. We offer a variety of traditional finance options for all credit types, as well as Rent to Own options with no credit check. Our friendly and knowledgeable staff are here to help you every step of the way.

financing

Financing

  • Competitive interest rates for new & used trailers.
  • Programs for a wide range of credit profiles.
  • Same day approvals for well qualified buyers
  • Consumer and Commercial Options
  • Finance accessories and upgrades with your trailer
  • Commercial lines of credit up to $150k for multiple trailers & equipment

Rent To Own

  • No credit checks.
  • Guaranteed Approval – leave with a trailer same day.
  • No income verification
  • Keep your credit available!
  • Keep your cash available!
  • Doesn’t affect your credit score or debt to income ratio.
  • New Trailers
*Company specific repo sales available at a discounted rate.

Our Trusted Lenders

  • Synchrony
    • Consumer
    • Any trailer brand + accessories and equipment
    • Sub-prime to Excellent Credit
    • Any trailer brand + accessories and equipment.
    • 0%-15% Down
    • PJ Exclusive Rates Starting at 8.99%
    • Standard Rates Starting at 9.99%
    • Finance up to $50,000
    • Requirements
      • 1 Valid Govt. Issued ID
      • 1 secondary ID (credit /debit card)
      • Social Security # or ITIN
      • Must be 18 years +
    Apply Now
  • Sheffield Financial
    • Consumer or Commercial
    • Excellent Credit
    • Any trailer brand + accessories and equipment.
    • 0% down and Interest rates range from 7.99% -15.99%
    • *Getting pre-qualified will not harm your credit
    • Finance up to $25,000
    • Requirements
      • Consumer
        • 2 valid forms of Govt. Issued ID
        • Social Security #
        • Credit Score 700+
        • Established credit history (2+ years)
      • Commercial
        • Schedule c: Proof of business formation
        • All owners (50% +) on application
    Apply Now
  • Rocksolid Funding
    • Consumer 
    • Sub-prime to excellent credit
    • Any trailer brand + accessories and equipment
    • 0-10% down, Interest rates 10.95% - 19.95%
    • Finance up to $75,000
    • Requirements
      • Valid Driver’s License
      • Valid Social Security #
      • Credit Score 570+
      • 2-year Credit History
      • No Bankruptcy
    Apply Now
  • MAZO
    • Commercial
    • Any trailer brand + accessories and equipment.
    • Sub-prime to Excellent Credit
    • Down payment and interest rates based on credit.
    • Finance up to $150,000
    • Requirements
      • Valid Driver’s License
      • Valid Social Security #
      • Company Name
      • EIN
      • Credit Score 550 +*
      • Proof of time in business over $20k
    Apply Now
  • Clicklease
    • Commercial Lease to Own
    • Any trailer brand + accessories and equipment
    • Sub-prime to excellent credit
    • Down payments from $79 - $399. Rates based on term.
    • Finance up to $25,000
    • Applying will not harm your credit.
    • Requirements
      • Trailer must be used for work.
        • Business name not required.
      • 18+
      • Valid Driver’s License
    Apply Now
  • Hometowne Capital
    • Consumer Rent to Own
    • Any NEW trailer
    • No credit checks.
    • Down payment approximately 15% (30% for some states)
    • Rates based on term.
    • Finance up to $25,000
    • Requirements
      • Must be 21 Years +
      • Valid Driver’s License
      • Valid Social Security #
      • 2 proofs of residence* (Utility bill, Bank Statement, etc.)
      • 2 references with contact information
      • Contact information for landlord
    Apply Now
  • C3 Rentals
    • Consumer/Commercial Rent to Own
    • Soft credit check.
    • Any NEW trailer
    • Down payment approximately 15%
    • Rates based on term.
    • Finance up to $20,000
    • Requirements:
      • 18+
      • Valid Driver's license
      • Non-expired Vehicle Registration (in applicant's name)
      • Proof of Residence (Utility bill - electricity, water, gas, cell phone, etc.)
      • Must be dated within the last 60 days.
      • No past due balances
    Apply Now