Rent to Own Trailers With No Credit Check
No credit check rent to own. Get the trailer you need now. In Pennsylvania, Ohio and nearby states there's no credit check and no income verification, and the down payment is low. Pay off early anytime with no penalty. New York buyers have their own program with no hard credit check (see our Western NY page).
Why Rent-to-Own with Steel Tow
No Credit Check
Your credit score doesn't decide whether you get a trailer.
No Income Verification
No pay stubs or employment paperwork required.
Very Low Down Payment
Start small and keep more cash in your pocket.
Pay Off Anytime
Pay off early whenever you like, with no penalties.
How Rent-to-Own Works
Four simple steps. It does not affect your credit.
Apply & bring your documents
No credit check, no income verification. If you're 18 or older, you're eligible. See what to bring.
Down payment & take it home
Make your down payment with cash or card (no card fees, same as cash), sign the contract, and take your trailer home. The whole process takes about 15-30 minutes.
Pay monthly, your way
Make monthly payments, or pay it off early anytime with no penalty. After 4 payments you can return it free and clear, or upgrade or downsize.
What to Bring
The whole process takes about 15-30 minutes. You must be 18 or older. Bring:
- A valid driver's license
- An insurance card that lists you as a driver
- A second form of ID (medical card, Social Security card, carry permit, etc.)
- For trailers over 6,000 lb GVWR: a utility bill with an address that matches yours
What about New York?
New York customers rent-to-own through our partner ClickLease. ClickLease does a soft pull, which won't hurt your credit and doesn't show up on your credit history. They check how much you can be approved for, and less-than-perfect credit is sometimes accepted, so it's worth a try.
Our Rent-to-Own Partners
We work with established rent-to-own companies so customers across the region can qualify.
Premier
Rent-to-own through Premier for customers in Pennsylvania, Ohio, and surrounding states.
Blue House Rentals
Rent-to-own through Blue House Rentals for customers in Pennsylvania, Ohio, and surrounding states.
Premier + ClickLease
Western New York customers can rent-to-own through Premier's partnership with ClickLease.
Program availability and terms are set by each rental company and can vary by state and trailer. Call us for current details.
Rent-to-Own FAQ
Is there a credit check?
No. There's no credit check and no income verification, and it doesn't affect your credit. (New York customers: see What about New York?)
Who is eligible?
Anyone 18 or older.
What do I need to bring?
A valid driver's license, an insurance card that lists you as a driver, and a second form of ID (medical card, Social Security card, carry permit, etc.). If the trailer is over 6,000 lb GVWR, you'll also need a utility bill with an address that matches yours.
How do I pay the down payment?
Cash or card, credit or debit. There are no card fees, so it's the same as cash.
How long does it take?
About 15-30 minutes. Once your down payment is made and the contract is signed, you take the trailer home.
What's the interest rate?
There isn't one. Rent-to-own isn't a traditional loan with principal and interest. To be upfront: if you go the full term, you'll end up paying a little over double the trailer's price. You can pay it off early anytime with no penalty to save money.
What terms are available?
Several terms are available. Most people choose 48 months for the lowest payment, then pay it off whenever they want.
Can I pay it off early?
Yes, anytime, with no penalty.
Can I return or change trailers?
Yes. After 4 payments (4 months), you can bring the trailer back free and clear, or upgrade or downsize to a different trailer.
Does it affect my credit?
No. In New York, ClickLease's soft pull won't hurt your credit and doesn't show on your credit history.
Can I pay cash or use a card instead?
Yes. We accept cash and cards, and there is no card fee. Card payments are the same price as cash, and you keep your card points.
Can I rent to own a used trailer?
Yes. Our used trailers, mostly repos and customer returns, qualify for rent to own the same as new trailers.
See Your Estimated Payment
Every trailer in our inventory shows an estimated monthly payment. Pick a term on any trailer to compare.
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