Effective Date: January 21, 2026
These Financing and Credit Terms explain how financing inquiries, applications, approvals, and related information are handled on this website. They apply when you request financing information, submit a financing application, or move forward with a financed purchase. By applying for financing through this site, you agree to these terms.
1) Financing Availability
Financing may be available for qualified buyers on select trailers, including new and used units. Availability depends on factors such as:
- Trailer type, year, and condition
- Loan amount requested
- Buyer credit profile and business history
- Lender program rules and geographic restrictions
Financing is not guaranteed. Any financing offer is subject to lender approval.
2) Third-Party Lenders and Decision Authority
Financing decisions, approvals, rates, terms, and required documents are determined by third-party lenders or financing partners. We are not a bank and do not make the final credit decision.
By applying, you understand that:
- We may share your application information with one or more lending partners
- Lenders may obtain credit reports and verify information you provide
- Lenders may contact you directly to request additional details or documentation
3) What You May Need to Provide
Depending on the lender and your buyer profile, you may be asked to provide some or all of the following:
- Legal name, business name, address, email, and phone number
- Identification details for individuals or business principals
- Business type and time in business
- Income, revenue, or bank statements
- Proof of insurance (before funding)
- Trailer details, including listing link or stock number
You agree that all information you submit is accurate and complete. Providing false or misleading information may result in denial or cancellation of financing.
4) Credit Checks and Verification
When you submit a financing application, lenders may:
- Pull personal and or business credit reports where permitted by law
- Verify identity and address
- Verify income or business revenue
- Confirm trailer details, title status, and collateral requirements
Credit inquiries may affect your credit score. Any impact depends on the lender, type of inquiry, and your credit profile.
5) Offers, Rates, and Terms
Any rate, payment, term length, down payment requirement, and approval conditions depend on the lender’s underwriting. Examples of terms that may vary:
- APR and total cost of borrowing
- Term length and payment schedule
- Required down payment or cash contribution
- Collateral, title, and lien requirements
- Insurance requirements
- Documentation and funding timeline
Any estimate shown on the website is a general example only and is not a final offer.
6) Down Payments, Fees, and Closing Costs
Some lenders require a down payment. Financing may also include additional costs such as:
- Origination or documentation fees
- Title and lien filing fees
- State or local taxes and registration fees
- Delivery costs if shipping is arranged
These costs may be due at signing, at funding, or at delivery depending on the transaction structure.
7) Insurance Requirements
Most lenders require proof of insurance before funding. Coverage requirements vary by lender and may include:
- Comprehensive and collision coverage
- Named insured and loss payee requirements
- Minimum deductible limits
- Coverage effective date aligned with funding or delivery
Failure to maintain required insurance may be a default under your loan agreement.
8) Condition, Inspection, and “As Is” Sales
Unless otherwise stated in writing, trailers are sold “as is, where is.” Lenders may require an inspection, appraisal, or additional documentation before approval or funding. You are responsible for reviewing trailer condition and confirming that the trailer fits your intended use.
9) Funding, Delivery, and Timing
Financing timelines depend on:
- Completeness of your application
- Document collection and verification
- Lender underwriting speed
- Title and lien processing
- Trailer availability and delivery scheduling
We do not guarantee funding or delivery timelines. If a trailer sells before funding is complete, you may need to select another unit.
10) Payment Obligations and Default
Your loan agreement is between you and the lender. If approved and funded, you agree to follow the lender’s terms, including:
- Making payments on time
- Maintaining required insurance
- Keeping the trailer in acceptable condition
- Not selling or transferring the trailer without lender approval
Late payments or default may result in fees, credit reporting, repossession, and other actions allowed by the loan agreement and applicable law.
11) Early Payoff
Some lenders allow early payoff, but rules vary. Some loans include prepayment penalties or fees, while others do not. Confirm early payoff terms directly with your lender before signing.
12) Privacy and Data Handling
Financing applications often contain sensitive information. We take reasonable steps to protect data, and we share information only as needed with lenders and service providers involved in processing your request. For more details, review our Privacy Policy.
13) No Financial Advice
Information on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult qualified professionals if you need guidance on financing structure, accounting, or tax treatment.
14) Changes to These Terms
We may update these Financing and Credit Terms at any time. Updates will be posted on this page with a new effective date. Continued use of the financing process after changes means you accept the updated terms.
15) Contact
If you have questions about financing on this website, contact us through the website contact form.