With flexible terms and steady monthly payments, an RV Loan helps you focus on the adventure ahead, not the financing behind it

Plan the adventure and finance it with confidence

That feeling of heading out on the open road or onto the water is exciting. Financing your recreational vehicle should feel steady, not stressful. Our Recreational Vehicle (RV) Loan offers clear terms, flexible options, and local guidance — so you can choose what fits your life and your long-term goals.

Finance new or used RVs and boats

Whether you’re buying new or choosing a well-loved model, we finance eligible RVs and boats so you can move forward with the vehicle that fits your lifestyle.

AutoPay rate discount available

Set up automatic payments from an eligible account and you may qualify for a rate discount, helping you save over the life of your loan while keeping payments simple.

Competitive rates with steady payments

A fixed rate means your monthly payment stays predictable. That consistency helps you plan confidently — from everyday expenses to weekend getaways.

Flexible terms based on vehicle type

Repayment terms vary depending on the type and age of the vehicle. We’ll help structure a loan that fits your budget, timeline, and overall financial goals.

How to get started with your recreational vehicle loan

We’ve made the process straightforward, so you always know what to expect before you take your vehicle home.

01
Apply online

Complete your secure online application in minutes. Share personal, income, and vehicle details so we can begin reviewing your request and determine loan options that align with your goals.

02
Review and approval

We’ll review your information and provide your approved amount, interest rate, and available repayment terms based on eligibility, so you can evaluate what works best for your situation.

03
Finalize and purchase

Provide required documents and complete loan paperwork. Once finalized, you’re ready to purchase your vehicle confidently, knowing your financing is clearly in place.

Your questions, answered

To apply, you must: 

  • Be at least 18 years old 
  • Qualify for Allegacy Financial membership 
  • Provide proof of income and identification 
  • Meet credit and underwriting guidelines 

If you’re unsure about eligibility, a lending specialist can help you understand your options.

Eligible vehicles typically include motorhomes, travel trailers, fifth wheels, and boats. Final eligibility depends on the vehicle’s type, age, condition, and underwriting guidelines.

Yes. Both new and used recreational vehicles may qualify for financing. Loan terms and eligibility depend on factors such as vehicle age, value, and borrower qualifications.

Repayment terms vary based on the type of vehicle and borrower eligibility. Available terms will be outlined during the approval process so you can choose an option that fits your budget and timeline.

A down payment may be required depending on your credit profile, the vehicle’s value, and overall loan structure. Specific requirements are determined during underwriting.

Submitting a full loan application may result in a credit inquiry, which could impact your credit score. Speaking with a lending specialist or reviewing general loan information does not automatically result in a credit pull.