Western Truck & Trailer helps fleets, owner-operators, and hauling companies finance commercial trailers with competitive rates, flexible terms, and fast approvals.
$0 Down
Zero Down Payment
6-Year Terms
Extended Financing
Skip Payments
Seasonal Skip Payments
60–90 Days
Deferred First Payment
Approvals typically within one business day.
Apply Now$0 Down
Zero Down Payment
6-Year Terms
Extended Financing
Skip Payments
Seasonal Skip Payments
60–90 Days
Deferred First Payment
Our streamlined process gets you from application to the driver's seat as fast as possible.
Complete our secure online financing application in about 10 minutes. No commitment to apply and no obligation.
Our finance team works with multiple lenders to secure competitive rates and flexible terms, often with same-day pre-approval.
Pick up your trailer and put it to work. Deferred payment options allow you to start earning before your first payment.
Four programs, one finance team. Pick the structure that matches how your business runs cash and seasons.
Straightforward purchase financing with fixed monthly payments for any trailer in our inventory.
Highlights
Best for
Owner Operators · Construction Companies · Aggregate Haulers
Put the trailer to work before the first payment is due — built for buyers who need revenue first.
Highlights
Best for
Owner Operators · Excavation Contractors
Payment schedules that match your revenue cycle — heavier in peak season, lighter when work slows.
Highlights
Best for
Aggregate Haulers · Construction Companies · Excavation Contractors
Multi-unit structuring for operators adding two or more trailers in a single deal.
Highlights
Best for
Trucking Fleets · Municipal Fleets · Construction Companies
Not sure which program fits your operation?
Talk to our finance teamWhat you get
Meet Ang Fagoaga
Finance Director
Ang works directly with customers to structure financing that fits their operation. Whether you're adding a single trailer or expanding a fleet, she coordinates lenders and guides the financing process from application to approval.
Apply Now40+
Years in Business
4
Dealership Locations
24 hr
Typical Pre-Approval
Nationwide
Customer Reach
“First things first, this place takes care of its customers. They bent over backwards to help from start to finish. They went above and beyond to be like family. If you're in the market for a trailer I highly recommend this place. Thank you to Matt and his entire staff.”
All categories finance under the same four programs.
Don't see what you need? Talk to our finance teamOur secure online application takes about 10 minutes. Our finance team typically responds within one business day.
How it works
Apply Online
Complete our secure online financing application in about 10 minutes. No commitment to apply and no obligation.
Get Approved
Our finance team works with multiple lenders to secure competitive rates and flexible terms, often with same-day pre-approval.
Start Earning
Pick up your trailer and put it to work. Deferred payment options allow you to start earning before your first payment.
What you can expect
Prefer to apply by phone?
(888) 615-1388Everything you need to know about financing a trailer through Western.
Didn't find your answer?
Our team answers calls Mon–Fri, 8:00 AM – 5:00 PM.
We work with all credit types. Our finance team shops your deal across multiple lenders to find the best match for your financial situation — approval is based on your full financial picture, not just a credit score.
Pre-approval is often same-day. Full approval typically takes 24-48 hours. We know time is money in construction, so our finance team prioritizes getting you on the road fast.
Yes. We offer financing on both new and used equipment. Terms may vary based on the age and condition of the unit — contact our finance team for specifics on the equipment you're interested in.
No. You can pay off your loan at any time with zero early payoff penalty. If business is good and you want to eliminate the payment, you keep the savings.
$0 down is available for qualified buyers. We also offer flexible down payment amounts so you can structure the deal to fit your cash flow. The less you put down, the more cash you keep in reserve.
Yes. Our seasonal skip payment option lets you align payments with your work cycles — skip payments during slow months and catch up during busy season. We also offer 60-90 day deferred first payments so you can start earning with the equipment before your first bill is due.
Yes. While our dealership locations are in Utah, Nevada, Montana, and Texas, we work with customers across the country. Our finance team coordinates lending regardless of where your operation is located.
Startups and newer businesses can qualify. Our finance team works with lenders who consider the full picture — including industry experience, business plan, and available collateral. Contact us to discuss your specific situation.
Add equipment without slowing down your business. Western Truck & Trailer helps structure financing that fits your operation.
