Payment Options
Three Ways to Get Your Trailer Working
Traditional financing, business equipment leasing, and rent-to-own — three separate programs. Juan walks you through every option before anything is submitted.
The Process
How Financing Works at Reliable Sphynx
Pick Your Trailer
Browse inventory or tell Juan what you need. We confirm the trailer before starting any application.
Submit Your Application
Juan reviews your situation and matches you to the right program — traditional, leasing, or RTO.
Review Your Options
You receive program details, terms, and down-payment requirements before committing to anything.
Take Delivery
Once approved and funded, we coordinate delivery or pickup. You're on the road with the right trailer.
Down Payment Examples
Illustrative Starting Points
$5,000 Trailer
~$750 down*
Illustrative example only
$8,000 Trailer
~$1,200 down*
Illustrative example only
$12,000 Trailer
~$1,800 down*
Illustrative example only
*Illustrative starting down-payment examples only. Approval, required down payment, rate, term, total cost, and eligibility depend on provider, customer qualification, trailer, location, and current program availability. Approval is not guaranteed.
Three Separate Programs
Choose the Right Structure for Your Situation
These are three distinct programs — not variations of the same thing. Each has its own structure, eligibility, and terms.
Traditional & Commercial Financing
Most CommonConventional installment financing through lenders that work with trailer purchases. Suitable for personal buyers and established businesses with standard credit profiles.
- Fixed monthly payments — you own the trailer after payoff
- Available for new and used trailers
- Rates and terms vary by lender and qualification
- Lenders include Synchrony, Merrick, Rock Solid, Mazo, and TopMark
- Juan reviews your profile before routing to any lender
Business Equipment Leasing
ClickLeaseFor qualifying business customers looking for an equipment-leasing solution. ClickLease is a separate program from Rent-to-Own — different structure, different eligibility, different terms.
- Designed for business customers
- Equipment leasing — not a purchase loan
- Qualification process differs from traditional financing
- Not available in all states or for all trailer types
- Consult Juan to confirm eligibility
Rent-to-Own
RTOAn alternative path for customers who want to put equipment to work without conventional financing. Qualification processes differ by provider — Hometowne, Hopkins, and C3 each have their own structure.
- Alternative qualification paths depending on provider
- Early purchase options available with some providers
- 24, 36, or 48-month structures depending on program
- Qualification processes differ by provider
- Available in 21 confirmed states — see map below
Rent-to-Own
RTO: Put Equipment to Work Without Conventional Financing
Rent-to-own availability varies by state, provider, trailer type, transaction, and program eligibility. Not all trailers qualify. Specialty and roll-off trailers are not automatically RTO eligible.
Current RTO Providers
Each provider has its own qualification process, structure, and eligibility requirements.
Rent-to-Own Availability
Rent-to-own availability varies by state, provider, trailer type, transaction, and program eligibility. Not all trailers qualify. Specialty and roll-off trailers are not automatically RTO eligible.
States not listed are not confirmed available. Indiana and Ohio are not included in the confirmed footprint.
Common Questions
Financing FAQ
Talk to Juan
Juan Reviews Every Application Before Anything Is Submitted
No lender routing without a conversation first. Juan reviews your situation, confirms the trailer, and matches you to the right program — traditional financing, leasing, or RTO.
Ready to browse inventory first?