Restroom Trailer Financing

There is a great variety of bathroom trailers on the market, also known as restroom trailers. These unique trailers offer the best of both worlds: the portability and convenience of a porta-potty combined with many of the amenities of a home bathroom.

Although these trailers can be expensive - costing up to $100,000 - there are lenders who offer loans to finance this purchase.

 Terms are usually longer than what you would get for an auto loan, and qualification may be more complex, like getting a mortgage.

Once you have secured financing for your restroom trailer, your guests or employees will be able to enjoy such amenities as running water, climate control and flushable toilets. These trailers are the perfect solution for special events or extended work projects where a traditional bathroom is not available.

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Although we don’t provide financing ourselves, you may work with one of our preferred partners: At this time here are the preferred lenders we would recommend. We also might have additional contacts depending upon your needs.


What is a Restroom Trailer loan?

When you need to purchase a bathroom trailer, there are a few options available for financing. You could get a loan from a traditional lender such as a bank or credit union. Another option is to get a loan from the dealership where you purchase the trailer

The cost of an restroom trailer can range from as little as $20,000 to more than $100,000, so there are certainly restroom trailer buyers who rely on financing. Some lenders offer restroom trailer loans for both new and used restroom trailers.

You may be able to find restroom trailer financing through an online lender. The restroom trailer itself will usually serve as collateral for the loan, just like when you purchase a car.

While an restroom trailer loan is similar to an auto loan, loan terms are generally longer and the transaction is oftentimes more complicated, like a mortgage. Most restroom trailer loans feature repayment terms that range between one and 10 years. However, some lenders and financial institutions may offer restroom trailer loans that stretch as long as 20 years.

Depending on the amount you need to borrow, your lender may be more stringent. Similar to a home loan, your lender may want to see other documentation, such as tax returns, financial statements and detailed credit history.

Related Content

If you’re ready to buy an Restroom Trailer, set yourself up for success by taking these steps. Check out our guide on how to finance a restroom trailer in 6 steps.

How does a Restroom Trailer loan work?

When you take out a restroom trailer loan, you're borrowing money to either purchase or refinance a bathroom trailer.

 This is just like any other kind of consumer loan. A financial institution or lender provides the funds, and you pay back the money with interest over a set time frame.

Restroom trailer loans are considered secured loans, meaning that typically the trailer itself is the collateral for the loan.

Once you've chosen a lender, you'll complete an application and, if approved, sign an agreement outlining the terms of the loan.

What are typical Restroom Trailer loan terms?

Due to the high cost of restroom trailers, lenders typically offer longer terms for restroom trailer loans than for auto loans.

Some lenders offer terms as long as 240 months, or 20 years. However, borrowers who can afford higher monthly payments can find shorter terms.

For example, Ascentium Capital offers leasing and financing agreements up to $2 million with terms up to 84 months, while FinanceMyTrailer offers terms as short as 36 months. If you can afford the payments under these shorter terms, you’ll pay less in interest over the life of the loan.

What are the current interest rates for Restroom Trailer loans?

Interest rates for restroom trailer loans vary, but start at around 4.29 percent for borrowers with excellent credit. If you have poor credit, your rate will likely be much higher - so it's important to save up and work to improve your credit score in the meantime.

Frequently Asked Questions About Restroom Trailer Financing


Just like any other loan, an restroom trailer loan requires a careful assessment of your credit and finances? When underwriting restroom trailer loans, lenders look for a strong credit history and solid income that shows you’re likely to repay your loan. If your credit isn’t in great shape, it may be hard to get approved for an restroom trailer loan. However, some lenders specialize in providing restroom trailer loans for people with bad credit by evaluating applications on a case-by-case basis, rather than just looking at credit history. So don’t hesitate to apply if you need a restroom trailer loan – even if your credit isn’t perfect.


The interest rates for Restroom Trailer loans vary from about 4.25% up to 11%, depending on the loan amount, term and creditworthiness of the borrower. However, these are just starting rates and can be much higher for borrowers with poorer credit. It's important to shop around to find the best interest rate that fits your needs. A slightly lower interest rate can make a big difference in the long run.


No, an auto loan is not typically enough to cover the cost of a restroom trailer. Restroom trailers are usually much more expensive purchases, so the loans are larger and require a more in-depth underwriting process. Lenders often consider factors such as your liquidity, net worth and cash flow—factors that usually aren’t reviewed for auto loans.


This depends on the lender. Most lenders allow co-signers on large loans, but it is ultimately up to the lender's discretion. Remember that if someone co-signs on an restroom trailer loan with you, they are equally liable for the debt and it will show up on their credit report. Co-signing can also affect their ability to qualify for future loans. If you don't need a co-signer for financial reasons, it is typically best to avoid joint credit applications.

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