Financing

No penalties, no problem. Synchrony lets you pay off your loan early with zero fees—so if you want to wrap it up sooner, go right ahead.

Synchrony offers a range of financing terms—usually from 12 to 84 months—depending on your credit and the amount financed. We’ll help you pick what best fits your budget.

Down payment requirements vary based on your credit and the trailer you’re financing. Some customers qualify for little to no money down, while others may need a higher percentage upfront. You’ll see your options after you apply—or give us a call to talk it through: (936) 241-4405

Yes. You can finance your trailer and the delivery together in one easy payment plan. If you’re not picking up at one of our locations, just let us know you’d like it delivered and we’ll include the delivery cost in your financing total. No extra hassle, no separate bill.

Yes—you can often finance add-ons and upgrades like tarp kits, spare tires, toolboxes, ramps, winches, or color upgrades. Let us know what you need, and we’ll roll it all into one easy payment.

Absolutely. Whether it’s a made-to-order dump, a tricked-out hauler, or a fully spec’d flatbed, custom trailers do qualify for financing. Just let your sales rep know what you’re building.

Nearly every trailer we build is eligible—including dump trailers, car haulers, flatbeds, tilts, and more. Custom builds, special sales, package deals, and clearance trailers are all eligible.

Credit requirements vary based on your application, but Synchrony offers options for a wide range of credit profiles. Starting with the soft check is the best way to see where you stand.

Most customers receive a decision within minutes of submitting their application. The process is fast, secure, and hassle-free.

Synchrony only offers personal financing, which is the best and fastest option for most customers—including small business owners. If you’re looking for business financing specifically, give us a call at (936) 241-4405. We’ve got other options, but keep in mind: most small business applications don’t get approved unless they have strong credit and time in business—so personal loans are usually the way to go.

Nope. You’re welcome to use any lender you choose, but we’ve partnered with Synchrony to make financing faster and easier for our customers—with competitive terms and a streamlined process. And if you don’t pre-qualify with Synchrony, give us a call at (936) 241-4405.

Don’t count yourself out. Synchrony offers options for a variety of credit situations. The best first step is to check eligibility with a soft credit check—it won’t impact your score, and it gives you a clearer idea of what’s possible. And if you don’t pre-qualify with Synchrony, call us—we have multiple financing partners: (936) 241-4405

Not if you use our “See if You Qualify” option—that’s a soft check. If you move forward with the full application, that will be a hard credit inquiry, which may impact your credit score slightly.

A soft credit check gives you a quick look at whether you prequalify—without impacting your credit score. A hard credit inquiry happens when you submit a full application and may affect your score. We offer both, so you can check your options before committing.