dont buy it if you can't afford it... if you need to finance it... make it work... no point buying a 12k trailer and it costing you 30k over 30 years, unless you have a way to make income off said trailer... or you use the money you would spend on said trailer to get somoething better for your life and business... i agree... loan time is a trap from the banks to make THEM money... not you.... :--)