Quick approvals and a variety of financing solutions with a plan for every budget
Financing answers
Understand the available paths before you apply.
Yes. Nationwide Trailers offers multiple purchase paths, including traditional financing, business lease options, and rent-to-own for eligible trailers and applicants. Available programs, down payment, term, and approval depend on the trailer, applicant, lender, and program requirements.
Choose a trailer and submit an application for the financing path that fits the purchase. The lender or program provider reviews the application and determines approval, down payment, term, payment, and any conditions. Compare the complete terms and total cost before accepting an offer.
Rent-to-own is a rental-purchase program rather than a traditional loan. Eligibility, initial payment, recurring payment, ownership timing, early-purchase options, fees, and available trailers depend on the program agreement. Review the provider’s complete agreement before choosing this path.
Lowest Cost For Those With Good Credit
Easy Affordability for Small Business Owners
The Ease of Rent-to-Own
Small businesses like yours keep America moving. That's why we lead the way in making trailer ownership affordable for everyone. No matter your situation, we have a road to ownership for you!
Find the perfect financing solution for your situation. Each option is designed for different needs and credit profiles.
| Features |  Traditional Finance |  ClickLease |  Rent-to-Own |
|---|---|---|---|
| Available For | All New & Used Trailers, Dump Bins & Truck Beds, All Equipment, All Parts & Accessories | All New & Used Trailer and Dump Bin Inventory | All New Trailer Inventory |
| Approval Time | Same-Day (Most Customers) | Instant Decision | Same-Day (Most Customers) |
| Credit Score Range | Good to Great | All Scores Accepted | No Credit Required |
| Credit Check | Hard | Soft | Soft |
| Borrower Type | Individual or Business | Individual or Business | Individual |
| Term Lengths | Up to 96 Months | 24 - 60 Months | 24 - 48 Months |
| Minimum Financed | Depends on Bank | $500 | $2,500 |
| Maximum Financed* | Subject to Credit Approval | $25,000 | $25,000 |
| Interest/Surcharge** | Interest, Rate Varies by Creditworthiness and Bank | Variable Surcharge, based on credit background | Surcharge |
| Down Payment | Yes, Depends on Bank, Usually 10-20% | None | Yes, Based on Purchase Amount |
| Signing Costs | Yes, Doc & Origination Fee, Depending on Bank | Yes, Doc Fee Based on Purchase Amount | Yes, Processing Fee plus Non-refundable Loan Fee |
| Required Documents | Depends on Bank (Usually Income and/or Collateral Documentation, Financial Statements, Tax Returns, Valid Identification, Business Entity Documents, etc.) | None | Valid U.S. Driver's License (18+), Proof of Address Documents |
| Early Purchase Option (EPO) | Depends on Bank | Yes, Before 5th Payment | Yes, Anytime |
| Early Payoff Fee | Depends on Bank | None | None |
| Purchasing Limit | None | None | One Trailer Per Household |
| Payments Reported to Credit Bureaus | Yes | No | No |
| Cancellation | Non-cancellable | Non-cancellable | May Cancel and Return Trailer at Any Time |
| Tax Consideration*** | Interest May Be A Tax Deductible Business Expense, Equipment May Be A Depreciable Asset | Lease Payments May Be A Tax Deductible Business Expense, Equipment May Be A Depreciable Asset After Purchase Option is Exercised | Rental Payments May Be A Tax Deductible Business Expense, Equipment May Be A Depreciable Asset After Purchase Option is Exercised |
* Maximum financed amounts are subject to credit approval and may vary based on creditworthiness.
** Interest rates and surcharges vary by creditworthiness, lender, and other factors. Contact us for current rates.
*** Tax considerations are for informational purposes only. Please consult with a qualified tax professional regarding your specific situation.
Take our 60-second quiz and see which financing path fits — then apply online.
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