R and P Carriages | Cargo, Utility, Dump, equipment, Car Haulers, and Enclosed Trailers in Chicago, Ottawa, Dekalb, and Joliet, IL


R and P Carriages Finance Department

If you’re considering financing your new or used trailer, you’re in good hands with our finance department. We are happy to have the opportunity to help you set up a financing plan that gets you the cargo trailer, dump trailer, enclosed trailer or utility trailer you want as soon as possible. Our friendly and professional staff can get you on the road to your destination with your new trailer in no time.

  • Minimum Credit scores as low as 550 (as low as 470 in some states!)
  • Finance rates from 4.99% to 18.95% (depending on credit score)
  • Terms from 36 months to 240 months
  • Amounts from $1000 to $50,000 (no limit on Commercial sales!)
  • We can usually get approval in hours!
  • New AND USED trailers (up to 15 yrs old), All makes and models.

We don’t just finance cargo trailers, dump trailers, enclosed trailers, and utility trailers - you can also add accessories, an extended service plan, and everything else you need to make sure you’re getting the maximum value for your purchase, all for one simple monthly payment!

Our knowledgeable finance staff is here to make the process of purchasing your new or used trailer easy, so there’s no reason to put it off. Come in and talk to us today! You’ll know you made the right choice when you load up your new Interstate, R&R Trailers or Sure-Trac.

Rock Solid Funding

Click here for our Loan Calculator

There’s no reason to wait! To get a quote, apply now. Our staff will contact you about our available financing options.

Trailer Solutions

You have a wide range of choices in the programs Trailer Solutions offer depending on the type of trailer, the cost, and your credit situation. Each situation is different- let Trailer Solutions help you with yours.

Trailer Solutions is available for all trailers and in all states except Alaska, Arkansas, Hawaii, Louisiana, Montana, Rhode Island and West Virginia.


More than one million people have used the power of Sheffield Financial’s specialized financing to take control of their motorcycles, snowmobiles, personal watercraft, all-terrain vehicles and lawn equipment, as well as the one-axle trailers used to transport them.

Sheffield Financing is only available with Interstate, Pace and Sure Trac Brand Trailers and available in all 50 States

Personal Finance Company

Many of our customers choose to go with a local finance company when choosing short term loan. Personal Finance is only available for Illinois and is available for all trailers. *Loan application is completed by hand at R and P Carriages.

Click here to fill out our online application or download and fax completed forms to 815-357-9920 or mail to:

*R and P Carriages

PO Box 1252

Seneca, IL 61360*