RV Loan Financing - Trident Funding

RV Loans

Get matched with an RV loan that fits your budget and lifestyle
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How to Apply for an RV Loan

1

Shop

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

2

Apply

Tell us about the type of RV you’re buying and a few details about your financial situation and we’ll match you to the lender that’s right for you.
3

Close

You’re all set to get on the road! We’ll finalize the paperwork and get your loan funded.

RV Loans From Trident Funding

Trident Funding offers new and used RV loans as well as RV refinancing for various lifestyles and RV buying budgets. Our loans take into account factors such as loan amount, down payment, RV type and age, RV loan interest rates, RV loan terms and credit qualifications. Our dedicated team of sales representatives guarantees professionalism and competitive rates. Let us take the guesswork out of finding the right lender, and help you navigate through the process of financing an RV!

Loan Benefits

Features

Types

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 navigate the process of financing an RV!

RV Financing

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.

What You'll Need To Apply

Gather This Information to Get Started

  • The year, make, model, and model number of the collateral you want to finance or refinance
  • Income and employment information
  • Personal information about yourself and any joint borrowers, including your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)

Tools to Help Guide Your Loan Process

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

RV Loan Calculator Screen

How Our RV Loans Work

To get an RV loan, lenders consider your credit history, income, employment length, on-time payments, and if you’ve had bankruptcies or foreclosures. A higher credit score makes it easier to qualify for a loan, with a minimum score of 600 needed for an RV loan from Trident Funding.

The RV loan term refers to the duration of financing and varies based on the borrower’s credit score, financial profile, and loan amount. Larger loans can have longer terms for more manageable monthly payments. RV loan terms range from seven to 20 years, falling between car loan terms and home loan mortgage terms due to RVs’ price range.

Smiling woman in RV window

Types of RV Loans

Secured RV loans involve pledging collateral, such as your RV, to secure the loan. This collateral serves as security for the lender and is referred to as the collateral. By providing the RV as collateral, you secure the debt, and the lender may offer you lower interest rates, making the loan more affordable. However, if you default on the loan, you may lose your RV as collateral. Before deciding between a secured or unsecured RV loan, it’s essential to evaluate your financial situation and ability to repay the loan. It’s always recommended to choose a loan that fits your financial capacity. Apply Now >
Unsecured RV loans do not require any collateral to secure the loan. This type of loan is typically more costly than secured loans, due to the lender taking on more risk. In essence, an unsecured loan is one that is based purely on the borrower’s creditworthiness and does not necessitate a specific asset, like an RV or real estate, as security. However, if you fail to repay the loan, the lender’s only recourse is to take legal action to recover the debt and cannot claim your collateral. The borrower is still obligated to repay an unsecured loan as agreed, but in the event of a default, the lender cannot directly seize a specific asset. While unsecured RV loans are more expensive, they do not put your RV at risk if you default on the loan.
RV Financing

RV Loan Payment Estimates

See how we use today’s RV loan rates to get the best financing for your unique RV buying needs. Get approved in just 24 hours.

Scores 740-759

$30,000
as low as

$338.35

Monthly 10.86%

$60,000
as low as

$529.84

Monthly 8.74%

$100,000
as low as

$859.61

Monthly 8.37%

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.

RV Icon

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.

Vacations

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!

Frequently Asked Questions About RV Loans

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

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 7.74% would have an estimated APR of 7.74% and 240 payments of $721.89. 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.