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Trailer Financing in Texas

 We make buying a trailer easy!

Choose the right option below:



At Happy Trailers, we make buying a trailer easy. We offer a variety of traditional finance options as well as Rent to Own options. Our friendly and knowledgeable staff are here to help you every step of the way.

Option 1 Financing

Why choose Financing?
  • Competitive interest rates on new & used trailers
  • Our lenders have programs for a wide range of credit profiles
  • Same day approvals for well qualified customers
  • Consumer and Commercial Options
  • Finance accessories and upgrades with your trailer
  • Commercial lines of credit up to $150k for multiple trailers & equipment


Need a trailer now but have little or no credit? Already making a large purchase via financing and worried about affecting your credit score? Just want to keep your cash or credit free for other projects? Rent to Own is the solution you’re looking for!

Option 2 Rent to Own

Why choose Rent to Own?
  • No credit check
  • Guaranteed Approval – leave with a trailer same day
  • No income verification
  • Keep your credit available
  • Keep your cash available
  • Doesn’t affect your credit score or debt to income ratio
  • New & Used Trailers
Requirements for RTO
  • Must be 21 or older
  • Must have a valid US Driver’s License
  • Must provide 2 proofs of residence (utility bill or similar) (Driver’s license is acceptable*)
  • Initial down payment (Approximately 15% of trailer cost - minimum $500) via cash, card, cashier’s check or wire.*

*Rent to Own is only currently available in UT, AZ, TX, OK, KS, MO, IL, AR, LA, MS, TN, KY, AL, GA, FL, NC, SC, VA & PA. If you reside in a state that is not listed above, please reach out to one of our dealerships for alternative finance options.


With 90+ years of experience, Synchrony now offers installment financing for the trailer industry. Synchrony offers fast approvals for credit profiles ranging from sub-prime to Excellent. Finance any trailer brand + accessories and equipment.

PJ exclusive Interest rates starting at 6.99%

Standard interest rates starting at 7.99%


  • 2 valid forms of Govt. Issued ID
  • Social Security # or ITIN
  • Must be 18 years +


With nearly one hundred years of collective experience, MAZO has helped thousands of businesses access the capital needed to accomplish their goals. Our experienced team is proud to partner with small businesses across the nation and provide the highest level of service every step of the way.

MAZO is happy to help your business finance any brand of trailer, new or used. Down payment and interest rates vary based on credit worthiness.

Specializing in commercial lending, including startup


  • Valid Driver’s License
  • Valid Social Security #
  • Company name (Registered w/SOS)
  • EIN
  • Credit Score 550 +*
  • Proof of time in business over $20k



At Hometown Capital, we are innovative, friendly, and resourceful in how we work with customers. Simply put, we treat our customers how we want to be treated…with integrity and dignity.

Down payment is approximately 15% of trailer price. Rates depend upon term and purchase amount.


  • Must be 21 Years +
  • Valid Driver’s License
  • Valid Social Security #
  • 2 proofs of residence* (Utility bill, Bank Statement, etc.)
  • 2 references with contact information
  • Contact information for landlord


For over 25 years, Sheffield Financial has provided financing for outdoor power equipment, powersports equipment and trailers for most major brand names in the industry. Backed by one of the nation’s largest financial holding companies, we offer innovative financing options, friendly service, and quick credit decisions.

Sheffield Financial lending is offered exclusively for our PJ, Carry On, and RC trailers

Most programs require 0% down and Interest rates range from 7.49% -15.99%


  • Consumer
  • 2 valid forms of Govt. Issued ID
  • Social Security #
  • Credit Score 660+
  • Established credit history (2+ years)
  • Commercial
  • Schedule c: Proof of business formation
  • All owners (50% +) on application

*Getting pre-qualified will not harm your credit

Get Prequalified

APPLY Sheffield

At C3, we offer customers and businesses easy and affordable financing options. We help individuals become trailer owners by eliminating barriers and empowering them by giving them options.

An easy alternative to buying trailers directly, our rent-to-own options are flexible, fast and easy. You can take a trailer home today, start making money on it, and make it yours after completing a payment plan that works for you.


  • Must be 18 years +
  • 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 last 60 days
    • No past due balances

Investing in your small business is simpler and more affordable than ever with Clicklease. Whether you have good or bad credit, you can find the small business equipment financing plan that fits your needs. We’re in the business of financing your American dream!

Approval in minutes

Down payments from $79 - $399. Rates dependent upon term and lease amount


  • Must be 18 years +
  • Must use equipment for work* (No company name required. Weekend warriors welcome)
  • Picture ID


Still can’t decide which route works best for you? Let our team dothe heavy lifting. Give us a call and we’ll be “Happy” to match you with the best option!

(903) 455-0899