RV Financing: Get Approved for Your Adventure

We accept credit scores starting at 570. Unlike traditional banks that focus solely on a number, we evaluate your entire financial picture to find a program that works for you.

Financing an RV is a unique process because it blends the high-speed nature of an automotive loan with the document-heavy requirements of a mortgage. Unlike a car, which has a standardized registration and value, RVs are considered luxury, “live-in” assets, which adds several layers of complexity:

• Collateral Verification: Unlike a car, an RV is a complex, mobile structure. Lenders must verify the make, model, and condition (especially for private party sales) to ensure the collateral matches the loan value.
• Title Complexity: RV titles are often held in different states with varying regulations. Navigating these out-of-state requirements to ensure a “clean” transfer of ownership is a specialized process that requires significant documentation.
• Asset vs. Personal Property: Depending on the size and use of the unit, the loan may be treated differently by the DMV and financial institutions, necessitating more rigorous proof of identity and ownership (such as Power of Attorney).
• Private Party Nuance: If you aren’t buying from a dealership, there is no professional middleman to handle the title work. We step into that role to protect you, which requires us to collect documentation from both the buyer and seller to ensure a legal transfer.

While we understand this can feel like extra steps, this process is designed to protect your investment. We ensure that when you drive your RV off the lot or out of a private seller’s driveway, you have full, undisputed legal ownership.

Yes. Different types of RVs (Class A, B, C, Travel Trailers, Fifth Wheels, etc.) carry different depreciation rates and insurance requirements. Lenders have specific “loan-to-value” (LTV) limits for each. Knowing your specific unit type early allows us to match you with the right lender program immediately.

No, we do not finance custom camper van conversions, DIY builds, or bus conversions. We specialize in financing standard, manufacturer-built recreational vehicles, including Class A, B, and C motorhomes, fifth wheels, and travel trailers. Because custom and DIY conversions often lack a standardized “book value” and can present complex titling issues, they fall outside of our current lending programs.

Absolutely. Many standard recreational loans are intended for “part-time recreational use” only. If you plan to live in your RV full-time, it is classified as “Full-Time Use” or “Primary Residence” lending. You must disclose this upfront, as failing to do so could lead to a violation of your loan contract or a denial of your insurance coverage.

Generally, the newer the RV, the more competitive the interest rates. We work with lenders who specialize in older units, but units over 10–12 years old often require additional inspections or have different term limits. Please let us know the year, make, and model as soon as you have it so we can advise on the financing terms. RVs with 75k+ mileage will limit our available loan programs.

Rock Solid Funding doesn’t require one for the loan, though your specific lender might. We strongly recommend it, especially for private party sales. A pro inspector can spot hidden issues like water damage, electrical problems, or propane leaks that you might miss, protecting your investment from surprise repair costs right after closing.

Unlike a car, RV insurance is more complex. You need “Comprehensive” and “Collision” coverage at a minimum, but we strongly suggest looking into “Total Loss Replacement” and “Full-Timer’s Liability” if applicable. Your lender will require proof of insurance before we can release the funds, so start shopping for quotes as soon as you have a purchase agreement.

We prioritize speed but because most RV and marine loans require a manual review, RV/Marine applications are typically reviewed and decided within 2 business hours. This timeline may be longer on weekends and federal holidays.

Yes. We specialize in financing both new and pre-owned RVs. Whether you are buying from a dealer or a private seller, we have the expertise to facilitate the loan.

When evaluating your application, we look at your overall financial profile rather than just a credit score. Key factors include:

• Debt-to-Income (DTI) Ratio: We assess your monthly debt obligations compared to your gross monthly income to ensure you can comfortably manage a new payment.
• Income Stability: Proof of consistent, verifiable income is essential.
• Credit History: We look at your credit report to understand your history of managing debt.
• Past Financial Events: We understand that life happens. We review past bankruptcies or other financial challenges on a case-by-case basis to see if we can still find a program that fits your current situation.
• Collateral: The age, type, and value of the RV you are purchasing also play a role in the loan terms.

To ensure an accurate assessment, we will request specific documentation related to your unique financial history. This helps us verify the information provided and build the best possible approval package for your needs.

Financing up to 240 months allows you to significantly lower your monthly payment, making it easier to manage your budget while enjoying your new recreational vehicle.

Our standard requirement is 10% down. However, for applicants with excellent credit (typically 700+), we can offer $0 down financing options for both RV and Marine units.

While your credit score is important, the final decision depends heavily on the Loan-to-Value (LTV) ratio. This means the loan amount must be supported by the unit’s current market value. If the sales price is higher than the appraised value of the boat or RV, a down payment will be required to cover the difference, regardless of your credit score.

Yes, to ensure we can provide the specialized service and documentation support required for your loan, we have established the following minimum:

• RV Loans: $5,000 minimum

If you are looking to finance an amount below this threshold, please reach out to our team directly. While this is our standard minimum, we are always happy to discuss your specific situation and see how we can help.