As the leading truck, trailer and shed outfitter, we believe in making the purchasing journey as easy & as fast as possible.
We offer a variety of financing solutions
HOMETOWNE CAPITAL
Rent To Own
ALL credit approved
Rent, then buy when you're ready
Early purchase options (EPO)
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CLICK LEASE
Easy Affordab for Small usiness Owners
INSTANT Approvals
No Hard Credit Pull
Choose Your Payment and Lease Terms
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LENDMARK
Financing
Lowest cost for those with good credit
Any Trailer, Building, & Truck Accessories
Larger purchasing amounts
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HOMETOWNE CAPITAL
The Ease of Rent-to-Own
- ALL Credit Approved
- Rent, then Buy When You're Ready
- Early Purchase Option (EPO)
Clicklease
Easy Affordability for Small Business Owners
- INSTANT Approvals
- No Hard Credit Pull
- Choose Your Payment and Lease Terms
Finance
Traditional Bank Financing
- Lowest Cost For Those With Good Credit
- Any Trailer, Any Model
- Larger Purchasing Amounts
SHOP
Find the equipment you need to get the job done
COMPARE
Select the financing option that meets your financial goals.
APPLY
Applications take 5-10 minutes to fill out.
APPROVE
Most applicants get an instant or same-day decision!
COMPARE
| HOMETOWNE CAPITAL | CLICK LEASE | LENDMARK | |
| Text | Text | Text | |
| Available For | Trailers | All New & Used Trailer and Dump Bin Inventory | Utility Trailers, Buildings, Truck Accessories Some state restricstions apply |
| Approval Time | Up to 20 Minutes (Most Customers) | Instant | Same-Day (Most Customers) |
| Credit Score Range | No Credit Check | 550+ | No Credit Required |
| Credit Check | No | Soft | Soft |
| Borrower Type | Individuals | Individual Sole Proprietors or Business | Individual |
| Minimum Financed | $0 | $500 | $250 |
| Maximum Financed* | $25,000 | $25,000 | $15,000 |
| Interest/Surcharge ** | N/A- Set monthly rental payments | Variable Surcharge (based on credit background) | Variable & 12 months same-as-cash |
| Down Payment | 15% of the trailer cost for all states except SC & GA (30% for these two states) | None | None Required |
| Signing Costs | $0 | Doc fee based on purchase amount | $0 |
| Required Documents | US Driver’s License & Proof of Insurance for Towing Vehicle | None | Valid Government Issued ID. Paystub or Proof of Residence Upon Request |
| Early Purchase Option (EPO) | Yes | Yes, Before 5th Payment | Can be Paid Off Any Time with No Early Termination Fee |
| Early Payoff Fee | 24 Month Contract- 35% Discount off Remaining Balance of Contract 36 or 48 Month Contract- 40% Discount off Remaining Balance of Contract | None | No Prepayment Penalty |
| Purchasing Limit | $25,000 | None | $15,000 |
| Payments Reported to Credit Bureaus | Yes | Yes | Yes |
| Cancelation | Month-to-Month Agreement. Customer Can Return at Anytime | Non-cancellable | No Cancellation Fee or Application Processing Fee |
| Tax Consideration*** | Sales Tax Included in the Monthly Rental Payment. | Lease Payments May Be A Tax Deductible Business Expense, Equipment May Be A Depreciable Asset After Purchase Option is Exercised | Rental Payments May Be A Tax Deductible Business Expense, Equipment May Be A Depreciable Asset After Purchase Option is Exercised |
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DISCLAIMER: The information provided in this chart is intended for general comparison and informational purposes only and does not constitute an offer, solicitation, or recommendation to enter into any transaction. It should not be considered as a binding agreement. The details, including terms, conditions, and offerings related to any financial product or service mentioned in the chart, are subject to change at any time without notice. We make every effort to ensure the accuracy and completeness of the information; however, we do not guarantee its accuracy or reliability. Users should verify the current terms and conditions with the respective financial institutions or advisors before making any financial decisions. We accept no liability for any loss or damage which may arise directly or indirectly from the use of or reliance on information contained in this chart.
* If the cash price of equipment is higher than the maximum allowable financed amount, the cash difference will be due at signing
** The path to ownership through financing will cost more than the cash price of the equipment. Traditional financing has an interest rate which compounds, whereas Lease and Rent-to-Own agreements include a surcharge which is split evenly across your payments.
*** The information provided is for informational purposes only and should not be construed as financial advice. We strongly recommend consulting with a financial advisor, accountant, or legal professional to obtain advice tailored to your specific needs.