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Trailer Loans
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New & Used Trailer Loans
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Low-rate trailer loans
Whether you are looking for a gooseneck utility trailer to help with moving heavy objects, travel trailer for your outdoor adventures or a horse trailer for transporting your ponies, we have you covered! A trailer loan from Mountain America, can set your mind at ease. Low fixed rates and no application fees make getting a trailer hassle-free and budget-friendly. Trailer refinancing options are also available to help you lower your rate or payment.Our travel trailer loans feature:
- Fixed interest rates as low as % APR
- No application fees
- Trailer financing available at most dealerships
- Rate discounts with MyStyle® Checking
Travel trailer loan FAQs
How do I get the best financing for travel trailer loans?
When financing a new or used travel trailer, we will look at the make, model, age and condition of the travel trailer, as well as your credit worthiness, to determine the best financing options for you. To get the best travel trailer financing terms possible, make sure you have good credit, a low debt-to-income ratio and a sufficient down payment.
What types of utility trailers do you finance?
We finance a wide range of utility trailers for both hauling business and personal equipment. The most popular utility trailers that we finance are enclosed trailers, flatbed trailers, landscape trailers and open-air trailers.
Is it hard to get a loan for a travel trailer or camper?
Travel trailer loans can be harder to qualify for since they are considered a recreational luxury. Camper and travel trailer loans are similar to mortgage loans because they often require a higher credit score and possibly a down payment to get a lower interest rate. Your employment history and income status will also determine if you qualify. At Mountain America, we do our best to make getting a travel trailer loan fast and hassle-free. You can apply online, on our mobile app, over the phone or in person at a local branch.
How long is the financing term for a new travel trailer?
The loan term for travel trailers depends on the amount financed and the trailer’s age. The average term for recreational trailers between $25,000–$99,000 is 8 to 15 years.
Most lenders won’t offer trailer financing for less than $7,500 for the trailer loan. Some may even require a minimum loan of $25,000. A five- to six-year loan term is a smart financial decision, but a longer term will give you more flexibility on your monthly payment amount. At Mountain America Credit Union, we offer flexible loan terms for new and used travel trailers.
Can you finance a truck and trailer together?
Do I need registration for my trailer?
Yes, for Mountain America Credit Union to approve a trailer loan, you need to have the trailer registered and taxes paid. Proof of insurance may also be required.
Get a low-rate travel trailer loan
Wondering how to get a loan for a travel, utility or horse trailer? You don't have to wait. Apply online for trailer financing or camper financing by clicking the button below.
Or, apply at your nearest Mountain America branch or over the phone at 1-800-748-4302.
Additional resources
Trailer Insurance
Before You Buy
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