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RV Loans

Drive your dreams forward with our flexible RV loans tailored to fit your adventure. Start your journey today with financing that moves you.
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Get ready for your next road trip adventure! Whether you’re an experienced RV enthusiast or new to the world of RV travel, now is the perfect time to take the plunge.

Start your journey with confidence, with recreational use loans available with options for:

  • RV Purchases
  • Refinancing
  • Model Years 2004 or Newer
  • RV Loans starting at $10,000
  • Flexible Terms
  • And more!

RV Loan Rates

As of December 4, 2024, we offer loans from $10,000 to $2 million

New Used Refinance
RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan Amount Term (Months) FICO Credit Score Ranges
800+ 760 – 799 740 – 759 700 – 739 680 – 699 640 – 679 600 – 639
$500,000 – $2,000,000 240 6.99% 7.24% 7.24% 7.24% 8.99% – –
$250,000 – $499,999 240 6.99% 7.24% 7.49% 7.49% 8.99% – –
$150,000 – $249,999 240 7.12% 7.37% 7.49% 7.62% 8.99% – –
$100,000 – $149,999 240 7.49% 7.74% 7.74% 7.74% 9.49% – –
$75,000 – $99,999 240 7.49% 7.74% 8.11% 9.11% 9.11% – –
$50,000 – $74,999 240 7.74% 7.99% 8.61% 9.36% 14.95%† 16.95%† 18.95%†
$25,000 – $49,999 180 8.99% 8.99% 9.49% 10.36% 14.95%† 16.95%† 18.95%
$10,000 – $24,999 144 9.25% 9.25% 10.11% 10.61% 14.95%† 16.95%† 18.95%†
RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan Amount Term (Months) FICO Credit Score Ranges
800+ 760 – 799 740 – 759 700 – 739 680 – 699 640 – 679 600 – 639
$500,000 – $2,000,000 240 6.99% 7.24% 7.24% 7.24% 8.99% – –
$250,000 – $499,999 240 6.99% 7.24% 7.49% 7.49% 8.99% – –
$150,000 – $249,999 240 7.12% 7.37% 7.49% 7.62% 8.99% – –
$100,000 – $149,999 240 7.49% 7.74% 7.74% 7.74% 9.49% – –
$75,000 – $99,999 240 7.49% 7.74% 8.11% 9.11% 9.11% – –
$50,000 – $74,999 240 7.74% 7.99% 8.61% 9.36% 14.95%† 16.95%† 18.95%†
$25,000 – $49,999 180 8.99% 8.99% 9.49% 10.36% 14.95%† 16.95%† 18.95%†
$10,000 – $24,999 144 9.25% 9.25% 10.11% 10.61% 14.95%† 16.95%† 18.95%†
RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan Amount Term (Months) FICO Credit Score Ranges
800+ 760 – 799 740 – 759 700 – 739 680 – 699 640 – 679 600 – 639
$500,000 – $2,000,000 240 7.24% 7.24% 7.24% 7.24% – – –
$250,000 – $499,999 240 7.12% 7.49% 7.49% 7.49% – – –
$150,000 – $249,999 240 7.12% 7.37% 7.49% 7.49% – – –
$100,000 – $149,999 240 7.74% 7.74% 7.74% 7.74% – – –
$75,000 – $99,999 240 7.74% 7.99% 8.11% 9.61% – – –
$50,000 – $74,999 240 8.99% 9.74% 9.74% 9.74% – – –
Term FICO Score APR %
240 800+ 6.99%
240 760 – 799 7.24%
240 740 – 759 7.24%
240 740 – 759 7.24%
240 700 – 739 7.24%
240 680 – 699 8.99%
240 640 – 679 –
240 600 – 639
240 800+ 6.99%
240 760 – 799 7.24%
240 740 – 759 7.49%
240 740 – 759 7.49%
240 700 – 739 7.49%
240 680 – 699 8.99%
240 640 – 679 –
240 600 – 639
240 800+ 7.12%
240 760 – 799 7.37%
240 740 – 759 7.49%
240 740 – 759 7.49%
240 700 – 739 7.62%
240 680 – 699 8.99%
240 640 – 679 –
240 600 – 639
240 800+ 7.49%
240 760 – 799 7.74%
240 740 – 759 7.74%
240 740 – 759 7.74%
240 700 – 739 7.74%
240 680 – 699 9.49%
240 640 – 679 –
240 600 – 639
240 800+ 7.49%
240 760 – 799 7.74%
240 740 – 759 8.11%
240 740 – 759 8.11%
240 700 – 739 9.11%
240 680 – 699 9.11%
240 640 – 679 –
240 600 – 639
240 800+ 7.74%
240 760 – 799 7.99%
240 740 – 759 8.61%
240 740 – 759 8.61%
240 700 – 739 9.36%
240 680 – 699 14.95%†
240 640 – 679 16.95%†
240 600 – 639
180 800+ 8.99%
180 760 – 799 8.99%
180 740 – 759 9.49%
180 740 – 759 9.49%
180 700 – 739 10.36%
180 680 – 699 14.95%†
180 640 – 679 16.95%†
180 600 – 639
144 800+ 9.25%
144 760 – 799 9.25%
144 740 – 759 10.11%
144 740 – 759 10.11%
144 700 – 739 10.61%
144 680 – 699 14.95%†
144 640 – 679 16.95%†
144 600 – 639
Term FICO Score APR %
240 800+ 6.99%
240 760 – 799 7.24%
240 740 – 759 7.24%
240 740 – 759 7.24%
240 700 – 739 7.24%
240 680 – 699 8.99%
240 640 – 679 –
240 600 – 639
240 800+ 6.99%
240 760 – 799 7.24%
240 740 – 759 7.49%
240 740 – 759 7.49%
240 700 – 739 7.49%
240 680 – 699 8.99%
240 640 – 679 –
240 600 – 639
240 800+ 7.12%
240 760 – 799 7.37%
240 740 – 759 7.49%
240 740 – 759 7.49%
240 700 – 739 7.62%
240 680 – 699 8.99%
240 640 – 679 –
240 600 – 639
240 800+ 7.49%
240 760 – 799 7.74%
240 740 – 759 7.74%
240 740 – 759 7.74%
240 700 – 739 7.74%
240 680 – 699 9.49%
240 640 – 679 –
240 600 – 639
240 800+ 7.49%
240 760 – 799 7.74%
240 740 – 759 8.11%
240 740 – 759 8.11%
240 700 – 739 9.11%
240 680 – 699 9.11%
240 640 – 679 –
240 600 – 639
240 800+ 7.74%
240 760 – 799 7.99%
240 740 – 759 8.61%
240 740 – 759 8.61%
240 700 – 739 9.36%
240 680 – 699 14.95%†
240 640 – 679 16.95%†
240 600 – 639
180 800+ 8.99%
180 760 – 799 8.99%
180 740 – 759 9.49%
180 740 – 759 9.49%
180 700 – 739 10.36%
180 680 – 699 14.95%†
180 640 – 679 16.95%†
180 600 – 639
144 800+ 9.25%
144 760 – 799 9.25%
144 740 – 759 10.11%
144 740 – 759 10.11%
144 700 – 739 10.61%
144 680 – 699 14.95%†
144 640 – 679 16.95%†
144 600 – 639
Term FICO Score APR %
240 800+ 7.24%
240 760 – 799 7.24%
240 740 – 759 7.24%
240 740 – 759 7.24%
240 700 – 739 7.24%
240 680 – 699 –
240 640 – 679 –
240 600 – 639
240 800+ 7.12%
240 760 – 799 7.49%
240 740 – 759 7.49%
240 740 – 759 7.49%
240 700 – 739 7.49%
240 680 – 699 –
240 640 – 679 –
240 600 – 639
240 800+ 7.12%
240 760 – 799 7.37%
240 740 – 759 7.49%
240 740 – 759 7.49%
240 700 – 739 7.49%
240 680 – 699 –
240 640 – 679 –
240 600 – 639
240 800+ 7.74%
240 760 – 799 7.74%
240 740 – 759 7.74%
240 740 – 759 7.74%
240 700 – 739 7.74%
240 680 – 699 –
240 640 – 679 –
240 600 – 639
240 800+ 7.74%
240 760 – 799 7.99%
240 740 – 759 8.11%
240 740 – 759 8.11%
240 700 – 739 9.61%
240 680 – 699 –
240 640 – 679 –
240 600 – 639
240 800+ 8.99%
240 760 – 799 9.74%
240 740 – 759 9.74%
240 740 – 759 9.74%
240 700 – 739 9.74%
240 680 – 699 –
240 640 – 679 –
240 600 – 639

Check Your RV Loan Rate

Loan amount
Loan Type
Year
FICO Score
RV Loan Rates as of December 4, 2024*

Summary

Purchase amount

Interest Rate

0.00% APR*

Terms

Your estimated loan rate & monthly payment would be:

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FAQs

We offer RV financing options for Class A and B Motorhomes, Super Cs, Bus Conversions (Prevost, MCI, Bluebird, Newall), 5th Wheels, Travel Trailers, Horse Trailers with living quarters, Horse Trailers without living quarters, Truck Campers and Pop-up trailers. Trident does not currently offer financing for Park Models, Tiny Homes or Rental Units.

After you submit your RV loan application (online is fastest!), we usually have a decision in 24-48 hours, often less.
RV loan approvals are generally valid for 30 to 180 days and rate commitments typically range from 30 to 60 days. The length that an RV loan approval is good for will vary by lender.
Yes, you might be able to get an RV loan pre-approval in some cases based on your financials and credit analysis. RV loan approval commitments can be valid for 30 to 180 days from the date of pre-approval. Apply today to get on the road!
Our network of RV lenders generally offers used and refinancing on RVs as old as 15 years. We work with you to get the best RV loan rate on any new or used RV purchase.
At Trident Funding, we offer RV loans in 49 states (excluding Hawaii and Washington, DC). We operate nationally out of five distinct regions in the United States – each with its own team of professionals who specialize in RV lending.
Trident Funding works with a network of RV lenders to finance RV loan from $10,000 to $2,000,000. Please contact us for RV loan requests greater than $2,000,000, so we can examine your unique situation to determine which of our trusted RV lending partners can provide the best possible RV rate and term for your RV loan.
Most RV loans require a down payment of 10% to 20%. For example, if you’re purchasing an RV for $75,000, you may be asked to put down $7,500 to $15,000. The down payment requirements vary based on the loan amount and the borrower’s qualifications. Feel free to contact one of our knowledgeable loan officers to help answer any questions you have regarding RV loan down payments. Trident Funding also offers zero down RV financing for loans up to $70,000.
We do not currently provide RV financing for full-timers (RV used as a primary dwelling), but we do offer RV loans for Class A, B, Super C Motorhomes, Toterhomes, Bus Conversions (Prevost, MCI, Bluebird, Newall), 5th Wheels, Travel Trailers, Horse Trailers with living quarters, Horse Trailers without living quarters, Truck Campers and Pop-up trailers.
Trident works with the largest network of RV lenders across the U.S. when you want to purchase a new or used RV from a dealership or work with an RV broker to obtain your RV loan. Ready to get started? Check RV rates here.
When you want to buy an RV directly from an owner (private party) rather than an RV dealer, your financing options can be limited. That’s where Trident Funding can help! Whether you’re buying an RV from your neighbor or a private seller in a different state, we provide RV financing to fit your lifestyle and budget.
Trident Funding does not charge an RV loan application fee.
Yes, a loan processing fee will apply when you finance an RV. You can contact one of our loan specialists for more detailed information on associated fees.
Yes, taxes, title, registration (official government fees) and/or loan processing fees may be included in your RV loan amount. You may also choose to pay for all fees out of pocket; in which case, payment must be received prior to funding your RV loan. What can be included in your RV loan is subject to lender approval.
Please do not make travel arrangements to take delivery of unit prior to coordinating with our funding team.
There are few simple ways you can apply for RV financing. We offer an online RV loan application or we invite you to contact one of our Trident Funding locations. The quickest way to get approved for an RV loan is to complete an online application. Our team will be notified immediately once we receive your application, and we will begin the process of getting you approved and on the road!

RV financing isn’t necessarily hard to get, but you do need to meet certain criteria set forth by the lender in order to qualify. You will need a credit score in the 600s or higher, you will need to show consistent employment history, or proof of owning your own business. You will also need to show an on time payment history, no recent bankruptcies or foreclosures, and your debt-to-income ratio will need to be approved by the lender. The lender will also make sure that your income is enough to qualify you for the loan amount that you applied for.

Generally, your RV loan is funded within 3 to 7 business days from the date of approval. The length of time it takes to process RV loan title work varies by state, so this can factor into how long it will take to fund your RV loan.

When you purchase a new or used RV, you will be asked to provide the following documentation for your RV loan: Copy of your current driver’s license, Copy of purchase agreement, Copy of current title and/or registration, Proof of Deposit (if applicable). When you refinance an RV, you will be asked to provide the following documentation for your RV loan: Copy of your current driver’s license, Copy of your current registration.
If you’re financing a new or used RV, some of our lenders require an inspection as part of their financing terms. If an RV or motorhome inspection is requires, Trident Funding will arrange for an independent third-party vendor to contact you and set a date and time to complete the RV inspection.
Yes, you may defer your first RV loan payment up to 45 days on new and used RV loans.
The standard time to receive your plates and registration is 6 to 8 weeks after your RV loan is funded. The length of time it takes to process RV loan title work varies by state.
The documents required to transfer ownership into your name when financing an RV vary from state to state and may also depend on the type of transaction. When you apply for an RV loan with Trident Funding, we will provide you with a checklist indicating what title documents are needed when you receive your loan package. All the documents requested must be delivered within five (5) business days of your RV loan funding.
Yes, your RV registration must be current to update it with the new lienholder information for RV financing. If your registration is due within 30 days of completing your loan application, please let your loan specialist know when you apply for an RV loan.
A VIN (Vehicle Identification Number) Verification is a procedure in which a licensed automobile dealer, police officer or other government official verifies that a unit’s vehicle identification number matches the unit’s paperwork. A VIN verification is required in some states for an RV that has never been titled or registered in that state. Once you apply for RV financing, your loan officer will let you know if this will be required for your RV loan.
In most cases, Trident uses an independent third-party vendor to complete the titling and registration for RV financing. When you purchase an RV from a dealer, the dealer is responsible for completing title and registration. In certain situations when you purchase or refinance an RV, the borrower may be required to complete title and registration. Please contact our knowledgeable loan officers for any questions about RV loan titling and registration.
For a qualifying RV, interest on the RV loan can be tax deductible. We recommend consulting with your tax advisor for guidance and advice regarding your personal RV financing situation.
In most cases your RV can be owned in a Trust or LLC. We recommend checking with your attorney and tax advisor for guidance and advice regarding your personal RV financing situation. RV cannot be used for commercial purposes and must be for recreational use only.
Trident Funding offers stated income RV loans up to $150,000. A stated income loan means the lender does not verify a borrower’s income using any records, such as paystubs, W-2 (employee income) forms, tax returns or other records. Borrowers are just asked to state their income, and lenders take them at at their word. Many of the RV lenders we work with accept stated income on RV loans up to $150,000. However, we would likely need to request further verification in certain circumstances depending on your FICO score or RV loan structure.

Yes, however rates and terms may vary, subject to lender’s underwriting requirement. Additional documents may be required. Montana LLC Docs must be prepared by one of the following bank-approved services:

  • Action Services, LLC – 800-481-0013
  • Heggen Law Office – 888-777-5032
  • Bennett Law Offices – 406-360-8242

Contact Us

HOURS OF OPERATION

Mon-Fri: 8am-5pm PT
Closed Weekends & Holidays

ADDRESS

1077 Bridgeport Ave.
Shelton, CT 06484

EMAIL

rtloans@tridentfunding.com

PHONE

(800) 982-1223
In partnership with
Trident Funding
Hot Air Balloons
Scarlet Macaw

1Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other pre-paid finance charges and fees. The following is an example, and the rates and terms can vary. An $88,000 loan for the purchase of a recreational use RV for 20 years with a fixed rate of 7.49% would have an estimated APR of 7.49% and 240 payments of $708.38. Closing cost, official fees such as state tax, title and registration, FL doc stamp fee and/or UCC filing fees may apply. Some loan programs may not be available in all states or Puerto Rico.

2Above rates are for recreational use 2014 RV model year or newer. RV model years 2004 – 2013 are subject to a rate increase. Actual rate, loan amount and term can vary depending on the lender, FICO score, credit history, lender assets/liquidity requirements, down payment, debt and payment to income ratios, collateral type, age of collateral, fuel type, loan to value, vehicle registration (LLC), loan type (Purchase versus Refinance), state of residency and other criteria. Rates and terms may vary and are subject to change without notice. † Max loan term may vary.

3Actual rate, loan amount and term can vary depending on the lender, FICO score, credit history, lender assets/liquidity requirements, down payment, debit and payment to income ratios, collateral type, age of collateral, fuel type, loan to value, vehicle registration (LLC), loan type (Purchase versus Refinance), state of residency and other criteria. Loan is for recreational pleasure use only. Rates and terms are subject to change without notice based on market conditions and borrower eligibility. Other rates and loan terms are available. † Max loan term may vary. Rates may not apply to customers residing in all states or Puerto Rico.

Subject to loan program requirements and credit approval. Certain fees, closing costs, and restrictions may apply.

@ 2024 Trident Funding, LLC | NMLS ID 1740883 | NMLS Consumer Access

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