Easy Financing

DHMCO Financing Means Lower Rates, Easier Approval

Our Dixie Horse & Mule Finance Department is one of a kind. We’ll assign a DHMCO Credit Wrangler to work with you to find the best financing for your purchase needs and credit history.

Some folks get nervous about applying for credit, but we make it easy. Over the years we’ve built relationships with more than 20 banks.  We can find a fit for almost every customer, across a wide range of purchase prices, down payments, employment and credit histories.  We arrange financing for horse trailers and tractors every single day and we can do the same for you!

Your horse trailer or traactor purchase should be an exciting, stress-free experience. And we’ll do our darndest to make it just that.

Here are answers to the questions we get most often, but if you don’t see yours please give us a call today!

What types of vehicles do you finance?

We work with over 20 different banks to get you financing for horse trailers, tractors, trucks, and other recreational vehicles.

Can you finance trailers and tractors purchased for business purposes?

Yes! We work with several banks who offer financing to business owners.

Can you finance trailer or tractors not purchased from Dixie Horse & Mule Co.?

Sorry, we can only arrange financing for trailers or tractors purchased from us. Financing must be arranged at the time of purchase.

What financing company do you use?

We work with more than 20 lenders to get you the best rate and terms for your situation.

How do you get credit for your customers?

We’ll have you fill out a simple credit application. With that information we contact several lenders who we think are best suited for the financing you need. We compare their offers and present the best one to you.

When you apply for credit through us, you will be a given a person to help you through the process. They will answer all of your questions and will get a full understanding of your situation and recommend the best bank and the best rate for you.

Because we work directly with the banks, we don’t have to deal with a middleman and you don’t have any extra brokerage fees. These relationships let us get your financing quickly and you have a person you can call and talk to.

What about financing for people with bad credit?


Most of the time YES, we are able to get people approved that no other dealership can. We will go the extra mile to help get you into the trailer or truck of your choice.

If we’re unable to arrange financing, we’ll help you learn how to improve your credit. If you have concerns prior to filling out the application, just call our Credit Department at (877) 694-5665 ext. 127 or 123. We’re happy to help!

What tips do you have for buying a horse trailer or tractor with bad credit?

If you have bad credit, buying a horse trailer or tractor can seem out of reach. But knowing what to expect and taking a few extra steps can help make your horse trailer a reality!

  • Have a larger down payment ready, just in case.
  • Have a qualified co-signer ready.
  • Be prepared to accept a higher interest rate along with a shorter term loan.

All of these things can help you get approved. And if you can get qualified, it will help rebuild your credit, too!

Can you get financing for Canadian residents?

Unfortunately, we don’t work with any banks that provide financing for residents of Canada.

Most of our Canadian customers get financing from their local bank. We’re happy to work with your bank on financing!

How long does it take to get approved?

dhm-credit-approvedDuring weekdays, we usually have an answer back from the banks within 2-3 hours, depending on the how busy the banks are. On weekends and holidays, we will get answers back the next working business day. We begin processing your application as soon as we receive it.

If you have any questions about your credit application, contact your Salesperson or our Financing Department at (877) 694-5665 or