Rec Loans 360 finances camper vans and Class B motorhomes through the same nationwide lender network that handles full-size coaches. Terms run 60 to 240 months with a $10,000 minimum loan amount, and a single application is shopped across multiple lenders rather than sitting with one bank.
The catch most van buyers do not see coming is that not every camper van qualifies as an RV. That distinction decides which loan you get, how long the term runs, and in some cases whether financing is available at all.
Why Class B RV Loans Are Not the Same as Auto Loans
A Class B is built on a van chassis, which makes buyers assume it finances like a vehicle. It does not. A certified Class B is financed as a recreational vehicle, which means longer available terms, different age limits, and underwriting that looks at the unit as collateral rather than as transportation.
That works in your favor. Auto loans rarely run past 84 months. Recreational lending built around motorhomes stretches considerably further, which is what makes the payment on a well-equipped van manageable in the first place.
What Makes a Camper Van Financeable as an RV
Lenders generally want the van to be a manufactured or professionally converted unit with the systems that define an RV: permanently installed sleeping quarters, cooking facilities, water, and electrical hookups. Units from established upfitters clear this without trouble.
Self-converted vans are the hard case. A Sprinter someone built out in their driveway usually cannot be financed as a recreational vehicle, because there is no manufacturer certification and no reliable way to appraise the conversion. Buyers in that position typically finance the bare van and pay for the build separately. If you are weighing a van against something larger, it is worth comparing how the motorhome classes differ in practice before you narrow the search.
Class B RV Loan Requirements
The qualifying criteria are the same across the network regardless of unit type. Lenders look for a credit score of 580 or better, provable income, and a debt-to-income ratio under 40 percent. Most want 10 to 15 percent down, and the unit cannot be more than 15 years old.
Documentation is where self-employed buyers and remote workers get slowed down, which is a real consideration in this segment given how many van buyers work from the road. Tax returns, business income records, or retirement statements may all be requested depending on how you earn. The requirements page spells out what each employment type needs to provide.
Financing a New vs Used Camper Van
New Class B units hold their value better than most RV categories, which lenders factor into both term length and rate. Demand has stayed strong enough that depreciation curves look more like a truck than a travel trailer.
That same strength makes buying pre-owned less of a bargain than it is in other RV segments. A three-year-old van often prices close to new. The real savings usually come from timing rather than age, and shopping when dealer inventory needs to move tends to beat waiting for the used market to soften.
What Van Life Buyers Should Budget Beyond the Payment
Insurance on a Class B runs higher than on a passenger van because of the coach build. Add campground or overnight parking fees, maintenance on both the chassis and the house systems, and the cost of upgrades most owners make in the first year.
If the plan is to live in it rather than travel occasionally, the financial picture changes again. Understanding what full-time RV living actually involves is worth doing before the loan, not after, and so is knowing how to find parks that welcome long-term stays.
Apply for Camper Van Financing
Whether you are buying a certified Class B from a dealer or working out how to fund a conversion, Rec Loans 360 can tell you what the lender network will and will not write before you put money down. Submit an application or call (972) 803-5116.
Camper Van Financing FAQs
Can you finance a DIY van conversion?
Generally not as a recreational vehicle. Without manufacturer certification, there is no standard way to appraise the build. Most buyers finance the base van conventionally and fund the conversion separately.
How long can you finance a camper van?
Terms run 60 to 240 months through the lender network, with the longer end reserved for higher loan amounts. Most Class B buyers land somewhere in the middle.
Do you need a special license to drive a Class B?
No. Class B units fall under standard driver’s license requirements in every state, which is one of the main reasons buyers choose them over larger coaches.
Is a camper van cheaper to finance than a Class A?
The rate is driven by your credit profile, not the unit class. The amount financed is usually lower on a Class B, which produces a smaller payment but can also mean a shorter available term.
