By Lazydays

Get your RV financing questions answered here! Learn more about the loan process and get the keys to your dream RV.

Getting the keys to your RV can be a dream come true, opening up the potential to travel wherever your adventures take you. For many happy campers, financing is an important step in finding their perfect RV. Whether you’re shopping for new or used motorhomes for sale, financing your RV makes it easier to find your perfect setup. If you’re ready to finance your RV, we invite you to learn more about how the process works.

How Long Can You Finance an RV?

RV financing agreements can last up to 240 months, which is 20 years. Yes, you can finance your RV for up to 20 years! So if you have your heart set on a fully-loaded Class C toy hauler, don’t fret, there are many options for financing your rig.

For larger RVs or luxury models, the longer timeframes for financing allow buyers to get the setup of their dreams without compromising. RVers buying smaller options like pop-up campers are often choose financing for a shorter time period, such as 72 months, which is 6 years. Our RV loan calculator makes it easy to understand your financing options.

What to Know About Financing Your RV

RV financing is unique as it often combines traditional financing with longer-term financing needs. The biggest benefit is getting the keys to your dream RV and enjoying the benefits of owning an RV. There are also added benefits to financing your RV, such as RV deductions for taxes. For many happy campers, financing allows them to choose the exact features, styles, and vehicle type they’re looking for.

When applying for an RV loan, make sure to have a thorough understanding of your credit score and financial history. We work with the nation’s best RV lenders and are able to help you find the right financing for your needs.

What to Know About RV Financing with Bad Credit

RVers with less-than-perfect credit scores are often looking for bad credit RV loans. While these can be harder to find, there are financing options that you can find even if your credit score isn’t where you’d like it to be. If you’re applying for a bad credit RV loan, be prepared to provide additional bank statements or other documents to help secure the loan. It may be worthwhile to explore other loans before choosing a bad credit loan, as many RV lenders have flexible financing options.

Finding Your Dream RV and Financing

Our RV experts are here to help you find your perfect motorhome, fifth wheel, travel trailer, or other type of RV. We also work with leading lenders to make financing a breeze! Stop by your nearest Lazydays RV dealership location today to learn more!