Reefer & Refrigerated Trailer Financing
A dry van hauls whatever survives the temperature outside. A reefer trailer is that same box carrying a diesel unit on the nose and insulation thick enough to hold temperature. All of that is weight, and weight is payload. You’re buying a second engine as much as a trailer, and the produce and frozen freight it opens up is why operators accept the trade-off.
Get approved. Get equipment. Get to work.
- Amount
- $25,000 and up
- Term
- 24 to 72 months
- Down Payment
- As low as 10%
The Box, The Unit, And The Trailer Under Both
- New and used reefers, any make of unit
- Trailer only, or tractor and trailer on one deal
- A replacement Carrier or Thermo King on a trailer you own
- Trailer-only, or a tractor and trailer on one deal
Reefer Trailer Financing With Bad Credit
Lenders take a reefer as collateral without laying eyes on it, because they know what a used one brings when it sells. The box is the durable half. The Carrier or the Thermo King wears out first and costs real money to replace, so that is where underwriting spends its time. Hours on the unit count for more than the model year on the trailer, and a service history counts for more than either.
None of that shows on a credit report. That is why a file the bank already scored and dropped can still land somewhere. Apply with the unit hours and the make in front of you, and if your money comes in three months of the year, say so and we will ask lenders to shape the payment around it.
Used Trailers And Multi-Temp Units
Can I finance a used reefer trailer?
Depends who wants the trailer after you do. Owner-operators buying their first. Fleets replacing trailers they ran into the ground. That secondhand demand is what the financing gets written against, and it is why a used trailer stays a straightforward purchase instead of an argument. What you’re accepting is somebody else’s decision about how the box was ordered.
Can I finance just the reefer unit?
Yes. A unit replacement on a trailer you already own is an ordinary request here, and it’s smaller than a whole trailer.
Does a multi-temp unit change what I can finance?
With bulkheads and a multi-temp unit in the spec, the price climbs first and the application has to carry the bigger number. What you get is two commodities on one load, worth arguing to a lender. Single-temp keeps the purchase simpler. Neither is automatically safer; the right one is whatever your lanes pay for.
Put Something Else Behind The Tractor
Same one-page application. Most of the people we work with run more than one kind of machine.
Get Approved. Get Equipment. Get To Work.
No excuses. No BS. Tell us what you need and we’ll tell you honestly where you stand.