Towing Equipment Financing

Whether you're towing a boat, camper, or utility trailer, proper towing equipment is essential for safety. From trailer hitches to brake controllers, Tresl helps you finance the complete towing setup your vehicle needs.

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🔗 Trailer Hitches
🔌 Wiring Harness
⚖️ Weight Distribution
🛑 Brake Controllers
$200-$600Hitch + Install
$100-$300Wiring Harness
$300-$800Weight Distribution
7.99%APR Starting Rate

Trailer Hitch Classes

Hitches are rated by class based on towing capacity. Choose based on what you'll tow, not just your vehicle's capability.

Class I

2,000 lbs

Light duty. Bike racks, small trailers, cargo carriers.

Class II

3,500 lbs

Medium duty. Small boats, jet skis, utility trailers.

Class III

8,000 lbs

Heavy duty. Most common. Boats, campers, car trailers.

Class IV

12,000 lbs

Extra heavy. Large RVs, horse trailers, equipment.

Class V

17,000+ lbs

Commercial duty. Heavy equipment, large livestock trailers.

⚠️ Know Your Towing Limits

Your hitch rating is only part of the equation. Your vehicle's towing capacity is determined by engine, transmission, cooling, brakes, and suspension. Never exceed the lowest rating among your vehicle, hitch, and ball mount. Check your owner's manual for your vehicle's specific towing capacity.

Essential Towing Equipment

A complete towing setup includes more than just a hitch.

🔗 Receiver Hitch

The foundation of your towing system. Bolts to vehicle frame with vehicle-specific mounting points. Receiver size (1.25", 2", 2.5") determines compatible ball mounts and accessories. Quality brands include Curt, Draw-Tite, and Reese.

Class I-II: $100-$200 Class III: $150-$300 Class IV-V: $200-$400 Installation: $100-$250

🔌 Wiring Harness

Connects trailer lights to your vehicle's electrical system. Required by law for turn signals, brake lights, and running lights. Vehicle-specific harnesses plug into existing connectors for clean installation. 4-pin for basic, 7-pin for electric brakes.

4-Pin Basic: $30-$80 7-Pin (brake ready): $50-$150 Custom wiring: $100-$250 Installation: $50-$150

⚖️ Weight Distribution Hitch

Redistributes tongue weight across all axles for level towing and improved handling. Essential when towing heavy loads near your vehicle's capacity. Includes spring bars that transfer weight to front axle and trailer axles.

Basic WD System: $200-$400 Premium w/Sway Control: $400-$800 Installation/Setup: $100-$200

🛑 Brake Controller

Activates trailer electric brakes proportionally with your vehicle's brakes. Required for trailers over 3,000 lbs in most states. Time-delayed controllers are budget option; proportional controllers provide better, smoother braking.

Time-Delayed: $30-$80 Proportional: $80-$200 Integrated/OEM: $200-$400 Installation: $50-$150

Complete Towing Packages

Bundled packages ensure all components work together and often save money over buying separately.

Popular Towing Packages

Light Duty Package

$300-$500
  • Class II receiver hitch
  • 4-pin wiring harness
  • 2" ball mount
  • Professional installation

Ideal for: Bike racks, small utility trailers, jet skis

Standard Tow Package

$500-$900
  • Class III receiver hitch
  • 7-pin wiring harness
  • Adjustable ball mount
  • Brake controller (time-delay)
  • Professional installation

Ideal for: Boats, small campers, enclosed trailers

Heavy Duty Package

$1,000-$1,800
  • Class IV receiver hitch
  • 7-pin wiring w/converter
  • Weight distribution hitch
  • Proportional brake controller
  • Tow mirrors (if needed)
  • Professional installation

Ideal for: Travel trailers, horse trailers, car haulers

Finance Your Towing Setup

Why Finance Towing Equipment?

A complete towing setup—especially for heavy loads requiring weight distribution and brake controllers—can exceed $1,000. Financing lets you get everything installed properly at once rather than piecing together equipment over time.

  • Borrow $500-$5,000 – Complete towing packages
  • APR from 7.99% – Competitive rates
  • 24-hour decisions – Fast approval
  • Use any shop – Choose your installer

Sample Monthly Payments

Amount12 Mo24 Mo
$500$45/mo$24/mo
$1,000$89/mo$47/mo
$1,500$134/mo$71/mo
$2,000$179/mo$95/mo

*Estimated at 12.99% APR

Towing Equipment FAQs

Do I need a brake controller?
If your trailer has electric brakes (most trailers over 3,000 lbs do), yes—it's required by law in most states. Even where not legally required, trailer brakes dramatically improve stopping distance and safety. A brake controller is essential for safe towing of loaded trailers.
What's the difference between 4-pin and 7-pin wiring?
4-pin handles basic lights: running lights, turn signals, and brake lights. 7-pin adds: electric brake circuit, 12V power (for trailer battery charging), reverse lights, and auxiliary circuit. If your trailer has electric brakes or a battery, you need 7-pin.
Do I need weight distribution?
If your trailer tongue weight exceeds 10-15% of your vehicle's rear axle rating, or if your vehicle squats noticeably when hitched, weight distribution helps. It's especially important for SUVs and crossovers with softer suspensions. For heavy trailers near your vehicle's towing capacity, it's essential.
Can I install a hitch myself?
Many receiver hitches are DIY-friendly with basic tools. However, some vehicles require removing heat shields, drilling, or accessing difficult areas. Professional installation ensures proper torque specifications and usually includes wiring. For the relatively small labor cost, professional installation is often worthwhile.
Will a hitch affect my vehicle's warranty?
A properly installed hitch won't void your warranty. However, if you exceed your vehicle's towing capacity and cause drivetrain damage, that damage won't be covered. Towing within your vehicle's rated capacity with proper equipment is fine and shouldn't affect warranty coverage.

Tow With Confidence

Proper towing equipment ensures safety for you and others on the road. Get approved for financing in minutes.

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