No Perfect Credit Required
Good credit, challenged credit, or building credit — we have a financing program for you. Low monthly payments and rent-to-own available. No impact to your credit to apply.
Apply Online — No Credit Impact
Apply directly with any of our lenders below — it takes a few minutes and checking your options will not affect your credit score. Not sure which one? Call us at 337.504.3820 and we will point you at the right one.
Good to strong credit. Longer terms and the lowest monthly payments of the three — start here if your credit is in decent shape.
Start Application → Prequalify · no credit impact
Fair to good credit, and a decision in about a minute. A strong option if you want an answer before you come to the lot.
Start Application → Prequalify · no credit impactNo-credit-check rent-to-own for challenged or no credit. Take your trailer home on simple monthly payments, own it at the end, with early buyout available. Call or text and we'll get your application started.
Text Us To Apply → No credit checkTurned down somewhere else, or no credit history? Don't disappear. Call or text us and we'll match you to the program most likely to get you approved — Sheffield, Octane, or C3 Rentals rent-to-own — and give you a straight answer without wasting hard inquiries.
Text Us — We'll Help → One call · every optionSimple & Fast
Apply online with any lender above, or send us your details and we will do it for you. No SSN required to start and no credit impact.
We submit to multiple lenders and rent-to-own partners to find the best program for your situation.
Choose the term and monthly payment that fits your budget, then drive off with your trailer.
Real Numbers
Sample payments to show what's possible. Your actual rate and term depend on credit and down payment.
| Trailer Price | Term | Est. Rate (APR) | Est. Monthly* |
|---|---|---|---|
| $3,500 | 48 mo | 9.99% | $89 / mo |
| $7,500 | 60 mo | 9.99% | $159 / mo |
| $12,000 | 72 mo | 9.99% | $222 / mo |
| $18,000 | 84 mo | 9.99% | $299 / mo |
| $35,000 | 84 mo | 9.99% | $581 / mo |
| $60,000 | 84 mo | 9.99% | $996 / mo |
*Estimates for illustration only, assuming financing the full price at 9.99% APR. Not an offer of credit. Actual terms vary. A down payment lowers your monthly payment.
Rather We Did It For You?
If you would sooner not fill out a lender's application yourself, send us the basics and we will run it across all of our programs and come back to you with the options. No SSN, no sensitive info. It does not impact your credit score.
Ready to apply now? Go straight to a lender →
Questions
No. Prequalifying with Ragin Trailers has no impact on your credit score. We only ask for basic contact info and the trailer you're interested in to start.
Yes. We work with multiple lenders and rent-to-own partners to find approvals for good credit, challenged credit, and first-time buyers. We have a program for nearly every situation.
Rent-to-own lets you take the trailer home with low monthly payments and no traditional credit check. Make your payments and you own it — with early buyout options available.
Down payment varies by program and credit profile. Many customers start with a low down payment. Tell us your budget and we'll match you to the right program.
Most trailers finance from 36 to 84 months. Longer terms lower your monthly payment. We'll show you real numbers before you commit.
