What credit score do I need for a personal trailer loan?

Most personal trailer loans start at a 620 FICO. Applicants with 660+ get the best rates. Options exist down to 550 with a larger down payment.

How long can I finance a personal trailer?

Personal trailer loans typically run 36-84 months. RVs and larger trailers may qualify for 120-180 month terms depending on the lender and trailer value.

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Personal loans for individuals

Personal Trailer Loans. Simple Terms.

Q: Can I finance a trailer as an individual, not a business?

Yes. Personal trailer loans are available for homeowners and individuals for utility, boat, RV, toy hauler, and enclosed trailers.

Financing built for individuals — not just businesses. Get approved for utility, boat, RV, or toy hauler trailers with fixed monthly payments and no gimmicks.

No business required — individuals welcome
Fixed monthly payments — no surprises
Terms up to 84 months (longer on RVs)
Financing from 620 FICO and up
Dealer or private-seller trailers accepted
Fast online application, decisions in 24 hours

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What Personal Buyers Finance

Whether it's for the driveway, the lake, or the highway — we've got you covered.

Utility & Landscape

Haul mowers, materials, and equipment for home projects or weekend jobs.

Boat Trailers

Finance a boat trailer for the lake, the coast, or year-round adventure.

Toy Haulers & RVs

Travel trailers, toy haulers, and campers to hit the road on your terms.

Enclosed Cargo

Secure enclosed trailers for tools, motorcycles, or personal cargo.

How Personal Financing Works

Three simple steps from application to trailer in your driveway.

Apply as an Individual

Short application — no business info required.

Get Matched

We connect you with personal-loan lenders in seconds.

Pick Up Your Trailer

Sign, fund, and hitch up — from a dealer or private seller.

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Personal Financing FAQ

Can I finance a trailer as an individual, not a business?

Yes. Personal trailer loans are one of our most-requested programs. See our "do you need a business?" guide for details.

What credit score do I need?

Personal programs start at 620 FICO with best rates at 660+. Lower-credit options exist with a bigger down payment.

How long are the loan terms?

Typically 36-84 months. RVs and travel trailers may qualify for 120-180 month terms. See trailer loan term lengths.

Can I finance from a private seller?

Yes. We finance from dealers or eligible private sellers, including Facebook Marketplace and Craigslist.

Ready to Own Your Trailer?

No business required — apply in minutes as an individual.

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Soft credit check · Won't affect your score