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Trident Funding
4.9
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RV Loan Financing

With nearly 30 years of experience, Trident Funding is your trusted partner for all your RV financing needs.

Our loyal customers trust our dedicated loan officers to guide them through the entire RV loan process with professionalism and quality customer service — 98% of them give us 5 star reviews on Google!

We offer a wide variety of RV interest rates for motorhomes and towables including 5th wheels, travel trailers and campers. We also have a variety of RV lending options for both new and used RV purchases, and RV refinancing. Our team of experienced RV loan team members will work with you from when you apply for an RV loan through closing.

RV Loans

Whether you are purchasing a new or used RV from a dealer or you want to buy an RV directly from an owner (private party) rather than an RV dealer, Trident Funding can help! If you’re buying an RV from a dealer, your neighbor or a private seller in a different state, we make it simple for you to get an RV loan for all types of purchases. 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.

With access to specialized programs and experienced recreational lenders, Trident Funding’s dedicated RV team professionals listen to your needs and find the right solution to finance your RV.

Whether you’re looking for a motorhome, 5th wheel or travel trailer, we have the right loan for you. We specialize in RVs! If you’re purchasing a new RV, used RV or refinancing your RV, we’ll help you find the best RV loan lender to meet your needs.

After you submit your RV loan application, we recommend holding off on any big purchases, if possible, until the loan is funded. There are a few things you should avoid during the loan process, including applying for new credit cards (also keep all existing credit card accounts open), do not max out existing credit cards, do not buy a new car or do a trade in. It is best to keep in touch with your loan officer to ensure you are taking the right steps to close the deal on time.

RV Financing

Let Us Handle the Heavy Lifting

We help with everything from application submission through closing to registration and titling.

Our experienced team of finance professionals will coordinate your entire RV loan process, including closing, funding, state registration and title. When you apply for an RV loan with Trident Funding, we examine your unique situation to determine which of our trusted RV lending partners can provide the best RV loan rate and terms for your RV.

Use our RV loan calculator to calculate your monthly payment or to calculate your total loan amount based on what you can afford for a monthly payment. Trident Funding’s RV loans depend on multiple factors including loan amount, down payment, vehicle year, make, model, interest rates, loan term and other credit qualifications.

RV Loan Basics

When you’re ready to get an RV loan, lenders will typically assess your credit history, on time payments, your income, length of employment, and other factors such as if you’ve recently filed for bankruptcy or been in foreclosure. As is the case with all loans, the higher your credit score, the easier it is to qualify for an RV loan. Trident Funding requires a minimum credit score of 600 to qualify for an RV loan. 

Getting financing for an RV depends on a number of factors including:

  • Your credit score
  • The price of the RV
  • Your overall financial profile
  • Your credit history and employment history
  • Your income 
5 steps for financing an RV

The length of time that you can finance an RV is referred to as the loan term. These terms vary greatly and again depend on the borrower’s credit score and their financial profile. They also depend on the loan amount. Larger loan amounts can be financed for longer terms. This is so the borrower can have more manageable monthly payments. 

RV loan terms generally range from about seven years to 20 years. Most RVs are more expensive than cars and less expensive than houses so their loan terms are in the middle, longer than car loan terms, and typically shorter than home loan mortgage terms. 

Our Tools Make It Easy

Use our RV loan calculator to see what your monthly payment might be. Ready to check rates? Try our RV loan rate estimator.

  • 24-48 Hour Decision
  • First Payment Deferred up to 45 days
  • Minimum Credit Score 600
  • RV Loan Amounts from $10,000 to $2,000,000
  • New and Used RV Loans
  • RV Refinancing
  • RV Model Years 2003 and Newer
  • Fixed Rates & Simple Interest Loans
  • RV Loan Terms Up to 20 Years
  • Zero Down RV Loans
  • Class A, B, C, & Super C Motorhomes
  • Toterhomes
  • Bus Conversions: Prevost, MCI, Bluebird, Newell, etc
  • Towable/Other: Fifth Wheel, Toy Hauler, Travel Trailer, Destination Trailer, Ice House Trailer, Slide-In Camper
  • Horse Trailers With and Without Living Quarters
  • Purchase from a Dealer, Consignment and Private Party purchase transactions
  • RV loans for Montana LLC, LLC, Trusts & MIPA

Some programs may not be available in all states. Please contact us with your specific questions and for current rate information. Let us take the guesswork out of finding the right lender, and help you get rolling with your RV financing.

FAQ
RV Loan Calculator

Explore the RV Buying Journey

Discover
Ready to buy an RV? Use Trident Funding’s RV loan calculator to estimate a monthly payment or loan amount that fits your budget.

Shop
Now that you know your monthly RV loan budget, it’s time to shop for your perfect RV! Once you find it, check current interest rates.

Apply
Use Trident’s easy online application to apply for your RV loan. After you submit your online application, we usually have a decision in 24-48 hours, often less.

Loan Review & Funding

Loan Review & Funding

Our RV loan process takes two weeks or less. Upon loan approval, you’ll get an email confirmation from us with a list of some additional documents we’ll need. Simply upload these via our secure online portal. You’ll receive an email with all your loan documents that need to be signed and notarized. We provide a prepaid overnight FedEx label to return your executed documents back to us to start the funding process!

We do a quick review to ensure all your loan documents are complete, then your loan is funded! You’ll get another email confirmation once the funding is done.

Go RVing

Hi the Road!

You’re all set to get on the road!

We recommend doing a final inspection of your RV when you pick it up and confirm the seller received the wire transfer or bank check before providing the down payment. You’ll also need to complete any titling/registration required by your state or local DMV and return your original paperwork to Trident Funding. We work with our 3rd party title company to complete the titling/registration process for you.

Happy RVing!

RV Loan Rates

As of May 31, 2023, we offer loans from $10,000 to $2 million

RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan AmountTerm (Months)FICO Credit Score Ranges
800+760 - 799740 - 759700 - 739680 - 699640 - 679600 - 639
$500,000 - $2,000,0002407.49%7.49%7.49%7.49%9.24%--
$250,000 - $499,9992407.49%7.74%7.99%7.99%9.74%--
$150,000 - $249,9992407.74%7.99%7.99%7.99%9.74%--
$100,000 - $149,9992407.99%8.12%8.12%8.12%9.74%--
$75,000 - $99,9992407.99%8.24%8.24%9.24%9.74%--
$50,000 - $74,9992408.24%8.49%8.49%9.24%14.95%†16.95%†19.95%†
$25,000 - $49,9991808.74%9.24%9.24%9.74%14.95%†16.95%†19.95%†
$10,000 - $24,9991449.74%9.99%10.49%11.61%14.95%†16.95%†19.95%†
RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan AmountTerm (Months)FICO Credit Score Ranges
800+760 - 799740 - 759700 - 739680 - 699640 - 679600 - 639
$500,000 - $2,000,0002407.49%7.49%7.49%7.49%9.24%--
$250,000 - $499,9992407.49%7.74%7.99%7.99%9.74%--
$150,000 - $249,9992407.74%7.99%7.99%7.99%9.74%--
$100,000 - $149,9992407.99%8.12%8.12%8.12%9.74%--
$75,000 - $99,9992407.99%8.24%8.24%9.24%9.74%--
$50,000 - $74,9992408.24%8.49%8.49%9.24%14.95%†16.95%†19.95%†
$25,000 - $49,9991808.74%9.24%9.24%9.74%14.95%†16.95%†19.95%†
$10,000 - $24,9991449.74%9.99%10.49%11.61%14.95%†16.95%†19.95%†
RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan AmountTerm (Months)FICO Credit Score Ranges
800+760 - 799740 - 759700 - 739680 - 699640 - 679600 - 639
$500,000 - $2,000,0002407.49%7.49%7.49%7.49%---
$250,000 - $499,9992407.49%7.49%7.49%7.49%---
$150,000 - $249,9992407.74%7.99%7.99%7.99%---
$100,000 - $149,9992407.99%8.12%8.12%8.12%---
$75,000 - $99,9992407.99%8.24%8.24%9.24%---
$50,000 - $74,9992408.49%9.24%9.24%9.24%---
$25,000 - $49,9991809.24%9.74%9.74%9.74%---
$10,000 - $24,99914410.24%10.99%10.99%10.99%---
TermFICO ScoreAPR %
240800+7.49%
240760 - 7997.49%
240740 - 7597.49%
240740 - 7597.49%
240700 - 7397.49%
240680 - 6999.24%
240640 - 679-
240600 - 639
240800+7.49%
240760 - 7997.74%
240740 - 7597.99%
240740 - 7597.99%
240700 - 7397.99%
240680 - 6999.74%
240640 - 679-
240600 - 639
240800+7.74%
240760 - 7997.99%
240740 - 7597.99%
240740 - 7597.99%
240700 - 7397.99%
240680 - 6999.74%
240640 - 679-
240600 - 639
240800+7.99%
240760 - 7998.12%
240740 - 7598.12%
240740 - 7598.12%
240700 - 7398.12%
240680 - 6999.74%
240640 - 679-
240600 - 639
240800+7.99%
240760 - 7998.24%
240740 - 7598.24%
240740 - 7598.24%
240700 - 7399.24%
240680 - 6999.74%
240640 - 679-
240600 - 639
240800+8.24%
240760 - 7998.49%
240740 - 7598.49%
240740 - 7598.49%
240700 - 7399.24%
240680 - 69914.95%†
240640 - 67916.95%†
240600 - 639
180800+8.74%
180760 - 7999.24%
180740 - 7599.24%
180740 - 7599.24%
180700 - 7399.74%
180680 - 69914.95%†
180640 - 67916.95%†
180600 - 639
144800+9.74%
144760 - 7999.99%
144740 - 75910.49%
144740 - 75910.49%
144700 - 73911.61%
144680 - 69914.95%†
144640 - 67916.95%†
144600 - 639
TermFICO ScoreAPR %
240800+7.49%
240760 - 7997.49%
240740 - 7597.49%
240740 - 7597.49%
240700 - 7397.49%
240680 - 6999.24%
240640 - 679-
240600 - 639
240800+7.49%
240760 - 7997.74%
240740 - 7597.99%
240740 - 7597.99%
240700 - 7397.99%
240680 - 6999.74%
240640 - 679-
240600 - 639
240800+7.74%
240760 - 7997.99%
240740 - 7597.99%
240740 - 7597.99%
240700 - 7397.99%
240680 - 6999.74%
240640 - 679-
240600 - 639
240800+7.99%
240760 - 7998.12%
240740 - 7598.12%
240740 - 7598.12%
240700 - 7398.12%
240680 - 6999.74%
240640 - 679-
240600 - 639
240800+7.99%
240760 - 7998.24%
240740 - 7598.24%
240740 - 7598.24%
240700 - 7399.24%
240680 - 6999.74%
240640 - 679-
240600 - 639
240800+8.24%
240760 - 7998.49%
240740 - 7598.49%
240740 - 7598.49%
240700 - 7399.24%
240680 - 69914.95%†
240640 - 67916.95%†
240600 - 639
180800+8.74%
180760 - 7999.24%
180740 - 7599.24%
180740 - 7599.24%
180700 - 7399.74%
180680 - 69914.95%†
180640 - 67916.95%†
180600 - 639
144800+9.74%
144760 - 7999.99%
144740 - 75910.49%
144740 - 75910.49%
144700 - 73911.61%
144680 - 69914.95%†
144640 - 67916.95%†
144600 - 639
TermFICO ScoreAPR %
240800+7.49%
240760 - 7997.49%
240740 - 7597.49%
240740 - 7597.49%
240700 - 7397.49%
240680 - 699-
240640 - 679-
240600 - 639
240800+7.49%
240760 - 7997.49%
240740 - 7597.49%
240740 - 7597.49%
240700 - 7397.49%
240680 - 699-
240640 - 679-
240600 - 639
240800+7.74%
240760 - 7997.99%
240740 - 7597.99%
240740 - 7597.99%
240700 - 7397.99%
240680 - 699-
240640 - 679-
240600 - 639
240800+7.99%
240760 - 7998.12%
240740 - 7598.12%
240740 - 7598.12%
240700 - 7398.12%
240680 - 699-
240640 - 679-
240600 - 639
240800+7.99%
240760 - 7998.24%
240740 - 7598.24%
240740 - 7598.24%
240700 - 7399.24%
240680 - 699-
240640 - 679-
240600 - 639
240800+8.49%
240760 - 7999.24%
240740 - 7599.24%
240740 - 7599.24%
240700 - 7399.24%
240680 - 699-
240640 - 679-
240600 - 639
180800+9.24%
180760 - 7999.74%
180740 - 7599.74%
180740 - 7599.74%
180700 - 7399.74%
180680 - 699-
180640 - 679-
180600 - 639
144800+10.24%
144760 - 79910.99%
144740 - 75910.99%
144740 - 75910.99%
144700 - 73910.99%
144680 - 699-
144640 - 679-
144600 - 639
Apply Now

Frequently Asked Questions About RV Loans

What types of RVs can I finance?

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.

How long does it take to get approved for my RV loan?

After you submit your RV loan application (online is fastest!), we usually have a decision in 24-48 hours, often less.

How long is my RV loan approval good for?

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.

Can I get pre-approved for my RV loan?

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!

What is the oldest RV Trident finances?

Our network of RV lenders generally offers used and refinancing on RVs as old as 20 years. We work with you to get the best RV loan rate on any new or used RV purchase.

Are RV loans available for people residing in all 50 states?

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.

How much can I finance for my RV loan?

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.

How much do I have to put down on my 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.

Does Trident offer RV financing for full-timers?

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.

Can I get an RV loan when purchasing from a private seller?

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.

Have your RV picked out? Apply for your RV loan today.

Is there an RV loan application fee?

Trident Funding does not charge an RV loan application fee.

Are there RV loan closing costs or other fees?

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.

Can I finance any taxes, title, registration and/or processing fees with my RV loan?

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.

How do I apply for an RV loan?

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!

Is it hard to get an RV loan?

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. 

If I am approved, how long will it take to fund my RV loan?

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.

What documentation will I need for my RV loan closing?

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

Is an RV inspection required for RV financing?

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.

Can I defer my first RV loan payment?

Yes, you may defer your first RV loan payment up to 45 days on new and used RV loans.

How long does it take to obtain my plates and registration after my RV loan is approved?

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.

What documents are needed to transfer ownership into my name for my RV loan?

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.

Does my RV registration have to be current to get an RV loan?

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.

What is a VIN verification and will I need to get one for my 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.

Who handles the titling and registration for my 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.

Are RV loans tax deductible?

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.

Can I own my RV in an LLC or Trust for an RV loan?

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.

Do you offer stated income loans for RV financing?

Trident 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.

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 7.99% would have an estimated APR of 7.99% and 240 payments of $735.52. Processing fee cannot be included in the loan. 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.


2Above rates are for recreational use 2013 RV model year or newer. RV model years 2008 – 2012 are subject to a rate increase. Call for rates on diesel pushers model years 2003 – 2007. 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, 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, 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.