Financing a Used Trailer
Used trailers are financed every day, from dealers and private sellers. Late-model used trailers from a dealer are treated much like new. Older trailers and private sales get more questions.
The main thing to know is that most lenders set a maximum age for the trailer at the end of the loan. An older trailer may only get a shorter term, which pushes up repayments. Ask about this before you fall for a particular trailer.
Always run a PPSR search to make sure there's no finance owing, and inspect it properly. Our private sale guide covers what to check and how to avoid scams.
Key Details
AgeAssessed by condition
Sale TypeDealer or private
Doc TypeFull or low doc
RoadworthyRequired by most lenders
ConditionGood condition preferred
Common Questions
Many lenders will consider older trailers in good condition with current registration, but most set a maximum age for the trailer at the end of the loan — your broker will match you with the most flexible option for your trailer.
Most lenders require current registration and a roadworthy certificate for used trailers. This protects both you and the lender.
Yes. Private sale finance is available through select lenders. You'll need a sale agreement, the seller's details, and sometimes an independent valuation.