RV Financing
Owning the RV of your dreams has never been easier. Our financing options provide you with low rates and payments to meet your budget.
Meet Our Finance Team
Have questions? Our finance specialists are here to help you find the right plan for your budget.
Billy Davidson
RV Financing Specialist
Ryan Litton
RV Financing Specialist
No Impact to Your Credit Score
See What You Pre-Qualify For
Want to know your options before you shop? Get pre-qualified in minutes with our flexible financing tool. It's fast, easy, and won't affect your credit score — so you can explore your budget with confidence before setting foot on the lot.
Knowing your pre-approval amount helps you focus on the RVs that fit your budget and speeds up the buying process when you find the one you love.
Click to Pre-QualifyGet Started Today
Applying is fast, easy, and secure. Choose the option that works best for you.
Apply Online
Get started with our secure online application — quick and easy from any device.
Start ApplicationPrint & Fax
Prefer paper? Download and print our credit application, then fax it to us at 318-629-1219.
Download Credit AppApply by Phone
No printer? No problem. Call us and our team will take your information over the phone.
Call 318-629-2628Why Finance Your RV?
When you finance your purchase instead of liquidating assets or paying cash, you maintain your personal financial flexibility. You keep your savings intact and stay positioned to take advantage of investment opportunities that may come along — and the earnings from those investments can potentially exceed the cost of your RV financing.
Your RV might actually cost you less in the end if you finance. The bottom line is that if you are thinking of buying an RV, you should check financing options to maximize your purchase enjoyment. You'll be on the road enjoying your new RV before you know it!
Potential Tax Benefits
Your RV may qualify for some of the same tax benefits as a second home mortgage. To qualify, the RV must be:
Used as security for the loan
Equipped with basic living accommodations — a sleeping area, bathroom, and cooking facilities
Designated as a qualified second residence for that tax year
Note: Always check with your tax advisor to confirm which benefits apply to your specific situation.
Advantages of Financing Through an RV Lending Specialist
RV lenders understand the market and offer terms that banks and home equity loans simply can't match.
Lower Down Payments
Although final terms depend on your credit profile and the RV's age, type, and cost, RV lenders typically require down payments in the 10% range — much lower than traditional loans.
Longer Finance Terms
Because RV finance specialists know that RVs hold their value and resale appeal, they offer more attractive repayment terms — it's not uncommon to find 15–20 year schedules.
Lower Monthly Payments
Longer terms and RV-specific lending knowledge translate directly to lower monthly payments, making it easier to afford the RV you really want while staying within your budget.
How Does RV Financing Compare With Other Options?
You might be wondering if borrowing against your home is a smarter move. Here's why RV-specific financing is usually the better choice.
Home Mortgage Interest Deduction
The home mortgage interest deduction is restricted to interest paid on mortgage debt used to purchase, improve, or refinance a primary residence. The purchase of an RV does not qualify for this deduction — making a dedicated RV loan the more straightforward path.
Home Equity Loans
Home equity loans limit the amount of interest that is deductible. If your RV loan balance exceeds $100,000, home mortgage interest deduction is limited to interest paid on home equity loans up to that amount — leaving you with less flexibility than a purpose-built RV loan.
Borrowing Against Your Home
Borrowing against an owned home is not a viable option for purchasing an RV unless the funds are used directly for that home. Using home equity for an RV purchase falls outside the allowable deduction, making a dedicated RV loan a cleaner and often more cost-effective solution.
Ready to Get on the Road?
If you have any questions, our Finance Department is here to help. Apply online today or give us a call — we'll get you moving.
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