During business hours (M-F 9 a.m. - 7 p.m. EST) one of our loan agents will pull your credit using Equifax and will contact your directly via phone to go over the options available to you. You can usually expect a phone call from us within 30-45 minutes of submission.
Once we have received a pre-approval you will be contacted by us again and directed to a dealer of your choice to complete your trailer purchase. We handle getting the loan paperwork to the dealer, and the funding of the loan directly to the selling dealer.
What Makes Us Your Best Choice?
- We Get More Approvals: We use everything at our disposal to find you the very best deal from the best lending sources for your trailer loan needs across a range of credit scores and situations to get deals approved at above average rates- we fund when others can't!
- Fast & Easy: Apply on line and get answers very quickly. During normal operating hours (M-F 9-7 EST) you can expect a call from us within minutes. We will go over the best loan options for you based on your credit history, and the type of trailer you are purchasing.
- Value Added Service: We don't just take your application and forward it up the chain- we offer comprehensive business consultation on how you can maximize your situation to get the most for the least and often we can help you get even more than you thought possible!
- Flexible Programs: You have a wide range of choices in the programs we offer depending on the type of trailer, the cost, and your credit situation. Each situation is different- let us help you with yours.
- No Upfront Fee: There is no upfront fees or application charges to apply for a loan with us.
TSF offers three different finance programs below:
1. Specialty Finance Program (5.50% - 9.00% rates) *
- All brands and types of Horse, Cargo, Utility, LQs, RVs, and Boats are eligible
- New & Used (up to 10 years old)
- Rates from 5.50% - 9.00%, Terms up to 180 months
- Minimum Credit Score 660
- 10% Minimum down payment (Proof of Income & down payment can be waived on Tier 1)
- Loan amounts from $5,000-$250,000 * Above program is state specific. Some states not available at this time
2. Sign & Drive Program (9.95% - 18.95 rates)
- All brands and types of NEW (untitled) RV campers & all trailers are eligible
- No down payment required - No proof of income - No prepayment penalty
- Loan amounts from $2,500- $7,500 with a choice of 36 or 48 month terms
- Approvals AND closing documents generated quickly for "on the spot delivery"
- Minimum credit score of 660
3. Second Look Finance Program (9.95% - 18.95% rates)
- Discharged Bankruptcy and Past Credit Issues OK
- Cargo, Utility, Horse, RVs, Living Quarters, Truck Campers, Boats
- New & Used Trailers (up to 10 Years Old)
- Consumer Rates - 9.95 - 18.95%
- 45% Approval ratio of applications submitted
- 10% Minimum down payment & Proof Of Income - No Self Employed
- Loans from $7,500-$50,000, and terms up to 120 months
- We will look at applications down to a 600 credit score