Home » Loans & Financing » Cargo Trailer Loans
Ready to hitch up and hit the road? At Rock Solid Funding, we take the stress out of trailer financing. Whether you’re investing in a rugged utility trailer for your business, a specialized horse trailer for your stable, or a versatile cargo trailer for your gear, our streamlined process is designed to get you approved and on the road in hours, not days.
From your first utility trailer to a custom-built horse or cargo hauler, we have the experience to get it done.
Fast decisions. Flexible terms. All credit types considered.
We believe your credit score is only one part of the story. We work with applicants with scores as low as 600.
Stop waiting by the phone. We typically provide application decisions within minutes.
Enjoy flexible loan terms from 60 to 240 months, allowing you to customize your monthly payments to fit your budget.
No hidden surprises. We offer flexible, customized financing programs based on your unique situation, and we pride ourselves on full disclosure so you always know exactly what to expect.
While we offer standard 10% down programs, we have $0 down options available for qualifying applicants.
Every loan we offer is simple interest with no prepayment penalties. Pay off your loan early or make extra payments at any time without being charged a fee.
Provide your basic information online in under 3 minutes.
Our team reviews your application quickly, and you will usually have an answer in minutes.
Once approved, your dedicated loan officer will walk you through the documents. We can often fund your loan the very same day.
We’ve helped thousands of people across the United States get approved for their recreational equipment loans and financing needs with a turnaround time within hours. Whatever your financing needs are, we can help. We’ve put smiles on many faces with our low rates, flexible terms, and no hidden fees.
Often, yes, but it depends on the trailer’s use (utility vs. horse/livestock vs. cargo). We need to know if the trailer will be used for personal hobby or business/commercial purposes, as this changes the lending program. We do not offer financing for a business entity, only personal loans.
We accept credit scores starting at 600. Unlike traditional banks that focus solely on a number, we evaluate your entire financial picture to find a program that works for you.
We prioritize speed. Most of our applicants receive a credit decision within minutes of submitting their secure online application.
No, we don’t offer financing for private party transactions on cargo trailers. You can finance a used cargo trailer, but the purchase must be through a dealership. However, we do finance private party horse trailers and travel trailers.
We look at your overall financial profile rather than just a credit score. Key factors include:
Financing up to 180 months allows you to significantly lower your monthly payment, making it easier to manage your cash flow for your business or personal hobby.
Our standard requirement is 10% down.
Yes, we require a $3,500 minimum and a $75,000 maximum for all trailer financing.
If you are looking to finance an amount outside these thresholds, please reach out to our team directly. While these are our standard minimums, we are always happy to discuss your specific situation and see how we can help.
No. We only provide financing for personal, family, and household use. We cannot assist with commercial equipment financing or business-use assets.
Our friendly qualified team is looking forward to make your dream a reality!
Prefer to speak to us first? Call 800-607-1108
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