--- title: "Apply for Financing" post_type: "page" slug: "apply-for-financing" canonical_url: "https://www.gracetrailersales.com/apply-for-financing/" last_modified: "2026-08-31T23:05:34+00:00" status: "publish" --- ## Overview # Flexible Trailer Financing Options ## We Make Trailer Financing Easy Grace Trailer Sales makes it easier to get the trailer you need with flexible financing options for customers in Pittsburg, Mount Pleasant, Gilmer, Winnsboro, Longview, Sulphur Springs, and across Northeast Texas. Whether you are buying a utility trailer, cargo trailer, dump trailer, car hauler, or equipment trailer, our team can help you explore payment options that fit your budget and hauling needs. [Quick Apply Now](https://www.gracetrailersales.com/apply-for-financing/#apply-now) ## Traditional Traditional financing is a good fit for qualified buyers who want to purchase a trailer with monthly payments through established lending partners. [(opens in new tab)](https://prequalify.sheffieldfinancial.com/Apply/Landing?source=web&dealer=60461) #### Requirements: - 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 [(opens in new tab)](https://www.rocksolidfunding.com/dealer-loan-application/?tfa_1171=3412&dealernumber=3412&tfa_1174=sales@gracetrailersales.com&tfa_3386=sales@gracetrailersales.com&tfa_1165=Yes&tfa_1168=Dealer&tfa_1172=Grace%20Trailer%20Sales) #### Requirements: - 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 [(opens in new tab)](https://get-started.trailersolutionsfl.com/id/1553) #### Requirements: - Any Make/Model - no specific "list" of approved manufacturers, able to consider any make. Unable to provide finance options for units intended for business use. - New or Used units - Aged up to 12 years - POI Waived - Applicants can easily secure an approval without providing income verification. Please note this will depend on the lender issuing the decision. - Virtual Financing - Digital application & electronic signature options available for loan documents. This option makes it easier to sign loan documents & speeds up funding. - Title Department - Assists with titling/registration, taking the headache out of the process. - Easy Approval - Approvals can be secured within the hour, apply today & see what options are available for you. - Credit Risk Modeling - Lenders use total credit risk to issue loan decisions. Subprime credit can be considered. - Competitive Rates - Rates available will be determined based on overall credit risk, payment history, and type of collateral. - Payment History - Able to consider applicants with prior bankruptcy, foreclosure, repossession, etc. - Loan Amounts - $3,500 to $150,000 - Terms - 48 to 180 months; terms will vary depending on the lender, collateral, and loan amount after a down payment is considered. - Down Payment - Minimum 10% down payment required. Subject to increase based on credit score, payment history, collateral, and dollar amount of the loan requested. [(opens in new tab)](https://prequalify.sheffieldfinancial.com/Apply/Landing?source=web&dealer=60461) [(opens in new tab)](https://securedapply.syf.com/secure-installment?mid=185211462&pcgc=QT00&clientCode=SYFSI&preQual=Y&sitecode=lcozglko10) #### Requirements: - 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 + ## Commercial Commercial financing is designed for businesses, contractors, farmers, and fleet buyers who need trailer financing options for work, hauling, equipment, or company use. [(opens in new tab)](https://form.jotform.com/240654746565162?VID=001Qn00000RIVlqIAH&OID=005Qn000001tudhIAA&vemail=gpland.development@gmail.com&oemail=sbentley@jrwcap.com&vn=G%20P%20Land%20&%20Development,%20DBA%20Grace%20Trailer%20Sales) #### Requirements: - New/Used units - No money down (2+ years in business) - Terms (24-72 months) - Rates starting at 6% for "A" customers - Financing is done under Business name - NO PERSONAL Approvals in 24 hours [(opens in new tab)](https://vendor.triocapital.com/application?vendorId=001Po000016OofeIAC) #### Requirements: - New/Used units - No money down - Terms (12-84 months) - Start-up Programs: - 1. 0-6 months ($25,000) - 2. 7-23 months ($50,000) - 1. 0-6 months ($25,000) - 2. 7-23 months ($50,000) - Application only up to $150,000 - Same day approval - No personal credit check ## Rent To Own Lease and rent-to-own options are built for customers who need a more flexible path to trailer ownership, including options with easier approvals or no traditional credit check. [(opens in new tab)](https://www.c3leasing.com/organic_init?dealer_id=001Uw00000PzmRAIAZ) #### Requirements: - 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 [(opens in new tab)](https://rtostreamline.com/mobile/Summit/default.aspx?dealer_id=3&location_id=91&county=Laurens) #### Requirements: - New/Used units - Finance repo units - Maximum RTO ($12,000) - OTD (15% - 1st payment + deposit) - No credit checks - Affordable monthly payments [(opens in new tab)](https://rtostreamline.com/mobile/Trailersrenttoown/default.aspx?dealer_id=53&location_id=472) #### Requirements: - New units - Finance repo units - Maximum RTO ($15,000) - New RTO: - $5,000.00 and under - 12, 24, 36, 48 month terms only with 3% nonrefundable security deposit - $5,001.01 - $8,000.00 - 12, 24, 36, 48 month terms only with 3% nonrefundable security deposit - $8,000.01 - $10,000.00 - 12, 24, 36, 48 month terms only with 7% nonrefundable security deposit - $10,000.01 - $15,000.00 - 12, 24, 36, 48, and 60 month terms only with 7% nonrefundable security deposit - $5,000.00 and under - 12, 24, 36, 48 month terms only with 3% nonrefundable security deposit - $5,001.01 - $8,000.00 - 12, 24, 36, 48 month terms only with 3% nonrefundable security deposit - $8,000.01 - $10,000.00 - 12, 24, 36, 48 month terms only with 7% nonrefundable security deposit - $10,000.01 - $15,000.00 - 12, 24, 36, 48, and 60 month terms only with 7% nonrefundable security deposit [(opens in new tab)](https://urldefense.proofpoint.com/v2/url?u=https-3A__rtostreamline.com_mobile_pioneertrailersrto_defaultpa.aspx-3Fdealer-5Fid-3D14-26location-5Fid-3D3198-26county-3Dwayne&d=DwMFaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=0zMeQQyTaOwzCUFP7REqWbxDWDth522SvQtMdEoegvQ&m=CniWQ5xvb8Ke-Z-FdUQGO3bmNE4hzb1JPFrqv2PLTY_99fCB-I33U6D9f8sNwR8K&s=p_GEe3pIJNro8A5_NKh68ZSIFjpAsZDij0i0Tc7c0cY&e=) #### Requirements: Rent-to-Own Solutions - From the welcome call to the final payment, our goal is that every customer has a simple path to ownership. With flexible terms and no credit check, we help you bring it home. Rent-to-Own Requirements Customer must: • Be 21+ years of age • Have a valid U.S. Driver's License • Provide current proof of insurance for the vehicle towing the trailer • Be listed as a primary or secondary driver on the insurance If insurance is in a business name, provide the certificate of insurance or insurance binder with the customer's name included. Additional documentation may be requested, if applicable. Accepted additional documentation options must be in the customer's name and include: • Non-expired vehicle registration for the towing vehicle • Non-expired gun permit • Utility bill, cell phone bill, pay stub, or bank statement dated within 30 days of the contract Cash App, Venmo, and Chime are not accepted. ### Not sure which to choose? Start here. **WHOLE HOG Internal Financing Form** Application type: TrailersApplicants: BothLive form is hidden in the editor to avoid Beaver Builder conflicts. Save and view the page to test the form.