FAQs
Rent-to-Own vs Clicklease vs Financing: How to Pay for a Trailer
Rent-to-Own vs Clicklease vs Financing
There are three ways to get a trailer from Advantage RVs & Trailers without paying cash: rent-to-own through C3 Rentals, lease-to-own through Clicklease, or a traditional loan. Each one fits a different buyer. Here’s how they work and how to pick.
The Short Answer
Three options, three different buyers. Find yours.
C3 Rentals
- Rent month to month, payments go toward owning it
- No bank loan. C3 advertises all credit approved
- Make your first payment and tow it home
Credit is holding you back.
Apply for Rent-to-OwnClicklease
- No down payment, just a one-time documentation fee
- Fixed monthly payments, no interest rate
- Early buyout option before your 5th payment
Contractors and small businesses.
Apply with ClickleaseFinancing
- The trailer is yours from day one
- Rate and down payment based on your credit
- Available on campers and RVs too
Buyers with good credit.
See Financing OptionsSide-by-Side Comparison
The differences that matter most when you’re choosing.
| Rent-to-Own | Clicklease | Financing | |
|---|---|---|---|
| Credit needed | C3 advertises all credit approved | Online application | Based on your credit |
| Up front | First payment | No down payment, plus a documentation fee | Depends on the lender |
| Who owns it during payments | C3 Rentals until paid | Clicklease holds the title until paid | You |
| Total cost | Higher | Higher | Lowest with good credit |
| Campers and RVs | Not available | Ask us | Yes |
How Each One Works
Rent-to-own (C3 Rentals)
You rent the trailer month to month through C3 Rentals, and your payments work toward owning it. There’s no bank loan. You pick the trailer, apply, make your first payment and tow it home. When the payments are done, the trailer is yours.
Rent-to-own is available on most of our trailers, including cargo and enclosed trailers, dump trailers, utility trailers and flatbeds. It is not available on travel trailers, fifth wheels, motorhomes, toy haulers or fuel trailers.
Rent-to-own usually costs more in total than a loan. You’re paying for flexibility and easier approval, so ask us to show you the full cost on the trailer you want before you sign.
Lease-to-own (Clicklease)
Clicklease is a lease with an option to buy. Here’s the process:
- Down payment: none. There is a one-time documentation fee at signing, usually $79 to $499 depending on the lease size. It doesn’t lower your balance.
- Interest rate: there isn’t one, because it’s a lease and not a loan. A fixed cost is built into the payments. Your total cost is your monthly payment times the number of payments.
- Early buyout: before your 5th regular monthly payment, you can pay the original invoice amount in one payment to own it. Payments you’ve already made don’t count toward that amount.
- Title: the trailer is registered in your name, but the title stays with Clicklease until the lease and purchase option are paid. Then ownership moves to you.
Want more detail? See our Clicklease FAQ.
Is Clicklease legit?
Yes. Clicklease is an equipment leasing company that Advantage RVs & Trailers partners with. The thing to watch is total cost: a lease is easier to get than a loan, but you’ll usually pay more over the full term. Multiply the payment by the number of payments and compare it to the trailer price before you decide.
Financing
A trailer loan works like a car loan. A lender pays for the trailer, you own it from day one, and you pay it back with interest. Your rate and down payment depend on your credit. If your credit is good, financing is almost always the cheapest way to pay over time. Start on our financing page.
Which One Should You Pick?
Not sure? Bring us the stock number of the trailer you want and we’ll walk you through the payments on all three.
Frequently Asked Questions
Can I rent to own a dump trailer?
Yes. Dump trailers are one of the most popular rent-to-own picks for contractors, landscapers and farm and ranch work. See our dump trailers for sale.
Does Clicklease need a down payment?
No. You pay a one-time documentation fee at signing, usually $79 to $499.
Can I pay off a Clicklease early?
Yes. Before your 5th regular monthly payment, you can pay the original invoice amount to own the trailer.
Can I rent to own a camper?
No. Rent-to-own isn’t available on travel trailers, fifth wheels, motorhomes or toy haulers. Financing is available on campers and RVs.
Ready to Get Started?
Stop by 922 23rd St. SW in Watertown, Monday to Friday 8 to 5 and Saturday 9 to noon, or call 605-753-5022.