Purchase Rates as low as

6.37%

View New & Used RV Rates

Refinance Rates as low as

6.37%

View RV Refinance Rates

RV Loans

With nearly 30 years of experience, Trident Funding is your preferred source for RV financing. We offer a variety of RV lending options for both new & used RV purchases, and RV refinance transactions. Our team of experienced RV loan sales representatives will work with you from apply for an RV loan through closing.

We’ll 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. Let us take the guess work out of finding the right lender for your RV loan needs. View our current RV rates below and use our RV loan calculator to estimate your monthly payments.

Save

Calculate My Payment

Product Offering

  • Minimum Credit Score 680 +
  • RV Model Years 2007 and newer
  • Fixed Rates up to 20 years
  • Class A, B, C Motorhomes
  • Super C’s Toterhomes
  • Bus Conversions (Prevost, MCI, Bluebird, Newall)
  • 5th wheel, Travel Trailer, Toy Hauler
  • Horse Trailers with Living Quarters
  • RV dealer purchase, RV private party purchase and RV refinance loans
  • Montana LLC, LLC and Trust RV Loan Solutions
  • RV Loan Amounts from $10,000 to $2,000,000
  • Recreational Use Only (No Full-Timers)
  • Up to 45 days until first payment

RV Loan Rates

As of December 7, 2022, 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 - $2,000,0002406.37%6.62%6.62%6.74%10.49%--
$350,000 - $499,9992406.37%6.62%6.62%6.74%10.49%--
$250,000 - $349,9992406.37%6.62%6.62%6.74%10.49%--
$200,000 - $249,9992406.37%6.62%6.62%7.12%10.49%--
$150,000 - $199,9992406.37%6.62%6.62%7.12%10.49%--
$100,000 - $149,9992406.99%7.37%7.37%7.37%10.74%--
$75,000 - $99,9992407.99%8.24%8.49%10.86%11.24%--
$50,000 - $74,9992407.99%8.24%8.74%11.11%11.11%12.24%19.95%†
$25,000 - $49,9991808.24%8.24%8.84%12.11%12.11%12.24%19.95%†
$10,000 - $24,9991208.74%8.99%9.99%11.99%11.99%12.24%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 - $2,000,0002406.37%6.62%6.62%6.74%10.49%--
$350,000 - $499,9992406.37%6.62%6.62%6.74%10.49%--
$250,000 - $349,9992406.37%6.62%6.62%6.74%10.49%--
$200,000 - $249,9992406.37%6.62%6.62%7.12%10.49%--
$150,000 - $199,9992406.37%6.62%6.62%7.12%10.49%--
$100,000 - $149,9992406.99%7.37%7.37%7.37%10.74%--
$75,000 - $99,9992407.99%8.24%8.49%10.86%11.24%--
$50,000 - $74,9992407.99%8.24%8.74%11.11%11.11%12.24%19.95%†
$25,000 - $49,9991808.24%8.24%8.84%12.11%12.11%12.24%19.95%†
$10,000 - $24,9991208.74%8.99%9.99%11.99%11.99%12.24%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 - $1,999,9992406.37%6.62%6.62%6.74%10.49%--
$350,000 - $499,9992406.37%6.62%6.62%6.74%10.49%--
$250,000 - $349,9992406.37%6.62%6.62%6.74%10.49%--
$150,000 - $249,9992406.37%6.62%6.62%7.12%10.49%--
$100,000 - $149,9992406.62%6.87%6.87%7.37%10.74%--
$75,000 - $99,9992406.62%6.87%6.87%8.12%10.74%--
$60,000 - $74,9992407.74%7.99%8.24%10.99%10.99%--
$50,000 - $59,9992408.24%8.99%8.99%8.99%8.99%--
$25,000 - $49,9991808.74%9.24%9.24%9.24%9.24%--
$10,000 - $24,9991209.74%10.49%10.49%10.49%10.49%--
Apply Now

*Above rates are for 2012 RV model year or newer. RV model years 2007 – 2011 are subject to rate increase. Call for rates on diesel pushers model years 2002 – 2006. *Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees. Actual rate, loan amount and term can vary depending on the lender, FICO score, credit history, lender assets/liquidity requirements, debt and payment to income ratios, collateral type, age of collateral, loan to value, vehicle registration (LLC), state of residency and other criteria. Rates and terms may vary and are subject to change without notice. Credit score can vary depending on the credit reporting agency.

The following is an example, and the rates and terms can vary. A $76,000 loan for the purchase of a recreational use RV for 20 years with a fixed rate of 5.99% would have an estimated APR of 5.99% and 240 payments of $544.05. Processing fee of $445 cannot be included in the loan.

Frequently Asked Questions

What types of RVs can I finance?

We offer financing options for: Class A, B, C Motorhomes, Super C’s, 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. We do not offer financing for: Park Models,  Toterhomes, Tiny Homes or Rental Units.

What is the oldest RV you can finance?

We can finance RVs up to 15 model years old.

Is there a minimum credit score requirement?

Yes, our minimum credit score is 660. Use our RV loan calculator to estimate your monthly payments.

Are loans available for people residing in all 50 states?

We offer RV loans in 49 states (excluding Hawaii, & Washington, DC).

What are the largest and smallest RV loan amounts available?

The minimum loan amount considered for financing is $10,000.  The maximum loan amount is $2,000,000.  Call our office for credit requests greater than $2,000,000. Click here to view our RV Purchase rates and our RV Refinance rates.

What are the shortest and longest terms available?

 “We offer a variety of terms ranging from 5 – 20 years depending on the loan amount.

How much of a down payment will I need?

Typically, 10% to 30% is standard depending on the size of the transaction.

Is financing available for Full-Timers?

No, we do not currently provide financing for Full-Timers (RV used as a primary dwelling)

Can I finance my RV if I am Non-US Citizen?

Yes, we do have some options for non-US Citizens.  Additional documentation and restrictions may apply.

Can I get preapproved for my loan?

Yes, initial loan approval commitments can be valid for 30 to 180 days from the date of pre-approval.

Is financing available for both purchase & refinance transactions.

Yes, financing can be obtained for either a new or used purchase or refinance transaction.

Does Trident Funding work with both new RV dealers and used RV brokers?

Yes, we work with dealers and brokers across the U.S. Click here to view RV Purchase rates.

Can I get financing for a private party transaction?

Yes, we provide RV financing if you buy your RV from a private party seller. Click here to view RV Purchase rates.

How long does it take to get a credit decision?

Usually, we have a decision in 24-48 hours, often less.

How long is my loan approval good for?

Approval commitments are generally valid for 30 to 180 days (varies by lender) and rate commitments typically range from 30 to 60 days.

Is there an application fee?

No, we do not charge an application fee.

Are there closing costs or other fees?

Yes, a loan processing fee will apply.  Please contact one of our Sales Representatives for more detailed information.

Can I finance any taxes, title, registration and/or processing fees?

Yes, taxes, title, registration (official government fees) and/or loan processing fees may be included in your loan amount, (subject to lender approval).  You may also choose to pay for all fees out of pocket; in which case, payment must be received prior to funding your loan.

What other documentation will I need to provide prior to closing my loan?

“For a purchase transaction, you will be asked to provide:

  • Copy of your current driver’s license – clear & legible
  • Copy of purchase agreement
  • Copy of current title and/or registration
  • Proof of Deposit (if applicable)

 

For a refinance transaction, you will be asked to provide:

  • Copy of your current driver’s license
  • Copy of your current registration

When is a RV inspection required?

Inspections may be required, if your request for credit is approved.  This will be communicated by the Sales Representative.

How do I get an RV inspection completed?

Trident Funding will arrange for an independent 3rd party vendor to contact you and set a date and time to complete the inspection.

How do I apply for an RV loan?

Fill out and submit our secure online application or download our pdf application and then fax, mail, or email it to your nearest Trident Funding office or sales representative. Apply now for an RV loan.

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

Funding times will vary depending on several factors, but generally funding can occur within 3 to  7 business days from the date of approval.

Is there a pre-payment penalty?

Most loans do not have a prepayment penalty, but if a prepayment penalty does apply, it will be communicated at the time of credit approval.

Can I defer my first payment?

Yes, you may defer your first payment up to 45 days on purchase transactions.

How long does it take to obtain my plates and registration?

“Each state varies in length of time that it may take to process the title work.  The standard time to receive your plates and registration is 6 to 8 weeks after your loan funds; however, your experience may vary.

What documents are needed to transfer ownership into my name?

Documents required to transfer ownership into your name vary from state to state and may also depend on the type of transaction. You will be provided with a checklist indicating what title documents are needed when you receive your loan package. It is very important to deliver all the documents requested within 5 business days of your loan funding.

Can I transfer my personalized plates?

Yes, personalized plates can be transferred to your new unit if it is the same type of RV. For example, a travel trailer plate cannot be transferred to a motorhome. Remember to inform your Sales Representative of your plans prior to your loan closing.

What happens if I am traveling/out of town and unable to provide supporting documents needed to title and register?

If you are unable to provide the required documentation within 5 business days of funding your loan, you may incur additional fees including state penalties.

Does my registration have to be current?

Yes, your registration must be current to update it with the new lienholder information. If your registration is due within 30 days of completing your loan application, please let your Sales Representative know.

What is a VIN verification and will I need to get one?

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. Your Sales Representative will let you know if this will be required for your loan.

Who will be handling the titling and registration of my RV?

“In most cases, it is necessary for us to use an independent 3rd party vendor to complete the titling and registration. Where required by law, for Dealer purchase transactions, the dealer is responsible for completing title and registration. In certain purchase and refinance transactions, the borrower may be required to complete title and registration.

Are RV loans tax deductible?

For a qualifying RV, interest on the loan can be tax deductible, but you should consult with your tax professional to be certain.

Can I own my RV in a LLC or Trust?

In most cases it can be owned in a Trust or LLC – check with your attorney and tax advisor for more detail.

Are refinance rates the same as RV purchase rates?

Refinance rates may vary from that of purchase rates. Click here to view RV Purchase rates and RV Refinance rates.

Do you offer stated income loans for RV financing?

Yes, up to $150,000.  However, we reserve the right to require income verification on any application.

1Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees. The following is an example, and the rates and terms can vary. A $155,000 loan for the refinance of a recreation use RV for 20 years with a fixed rate of 6.37% would have an estimated APR of 6.37% and 240 payments of $1,121.53. 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 recreation use 2012 RV model year or newer. RV model years 2007 – 2011 are subject to a rate increase. Call for rates on diesel pushers model years 2002 – 2006. 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. The 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.