R & P Carriages Financing
Pick the financing path that fits your trailer.
Compare trusted lending partners for new and used trailer purchases, then apply directly with the option that best matches your trailer, credit profile, and location.
At a glance
What financing may include
These are general program ranges and may vary by lender, credit profile, trailer type, state, and approval.
- Credit Options Minimum credit scores as low as 550, with lower options in some states.
- Rates Rates from 4.99% to 18.95%, depending on credit score and lender approval.
- Terms Terms from 36 months to 240 months.
- Loan Amounts From $2,500 to $50,000, with no stated cap on commercial sales.
- Fast Approval Approvals can often be completed in hours.
Financing partners
Choose the lender that fits your trailer purchase
Review the lender descriptions below, then apply directly through the partner that best matches your trailer, location, credit situation, and intended use.
Broad trailer financing
Rock Solid Financing
A strong general-purpose option for customers looking to finance a new or used trailer through a straightforward online application process.
- Good starting point when you want a direct quote request.
- Apply online and finance staff will contact you about available options.
- Useful for cargo, dump, enclosed, utility, and other trailer purchases.
Wide program range
Trailer Solutions Financing
Trailer Solutions offers a wide range of programs depending on trailer type, purchase cost, credit situation, and state availability.
- Available for many trailer types and financing scenarios.
- Not available in Alaska, Arkansas, Hawaii, Louisiana, Montana, Pennsylvania, Rhode Island, or West Virginia.
- A practical option when the purchase needs a flexible program fit.
Select trailer brands
Sheffield Financing
Sheffield Financial provides specialized financing for motorcycles, snowmobiles, personal watercraft, all-terrain vehicles, lawn equipment, and certain trailer purchases.
- Available with Interstate, Pace, and Sure-Trailer brand trailers.
- Available in all 50 states.
- Especially relevant for one-axle trailers used to transport powersports or outdoor equipment.
Recreational purchases
Dealer Direct Financing
Dealer Direct partners with manufacturers and dealerships across the country to provide retail financing for recreational merchandise and outdoor power equipment.
- Built around dealer-supported retail financing.
- Combines hometown-style service with the strength of a national finance company.
- A useful fit for recreational trailer and outdoor equipment related purchases.
Need help before you apply?
We can help point you in the right direction.
Contact R & P Carriages before you apply and we can help you choose a financing option for your trailer purchase. Call or text 815-357-3292.