---
title: "Traditional Trailer Financing"
post_type: "page"
slug: "traditional-trailer-financing"
canonical_url: "https://www.gracetrailersales.com/traditional-trailer-financing/"
last_modified: "2026-07-27T20:13:02+00:00"
status: "publish"
---

## Overview

# Flexible Trailer Financing Options

Traditional financing is a good fit for qualified buyers who want to purchase a trailer with monthly payments through established lending partners.

  [https://prequalify.sheffieldfinancial.com/Apply/Landing?source=web&dealer=60461](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
  [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](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
  [https://get-started.trailersolutionsfl.com/id/1553](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.
  [https://prequalify.sheffieldfinancial.com/Apply/Landing?source=web&dealer=60461](https://prequalify.sheffieldfinancial.com/Apply/Landing?source=web&dealer=60461)
   [https://securedapply.syf.com/secure-installment?mid=185211462&pcgc=QT00&clientCode=SYFSI&preQual=Y&sitecode=lcozglko10](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 +

### Not sure which to choose? Start here.