Motorhome Loans

Motorhome financing with Rec Loans 360, where securing a motorhome loan is easy.

Rec Loan 360 has extensive experience helping consumers get into the motorhome loans that meet their financial needs. We understand the complexities of RV lending and work hard to make the process as simple and stress-free as possible.

Motorhome in a driveway
Large RVs at Dealership

Why Choose Us for Motorhome Financing?

When it comes to recreational loans, experience and ease matters. Rec Loan 360 is a seasoned team that understands the intricacies of RV lending and connecting borrowers with lenders that offer fast approval with competitive rates.


When you work with Rec Loans 360, we bring several positive qualities to your experience:


  • Fast Pre-Approval: Apply online in minutes and get a fast pre-approval decision
  • Access to Flexible Terms and Competitive Rates: Our process saves you money compared to settling for dealership financing
  • Simple, Secure Online Application
  • We Work With Good and Damaged Credit

Simple, Nationwide Online Loan Approvals

With Rec Loans 360, you connect with lenders throughout the nation. You do everything 100% online and get a response within 24 hours.

Competitive Rates, Guaranteed

Our mission is to get you the best terms and rate possible for an RV loan. Our nationwide lender network includes companies that work with people who have great credit, damaged credit, or something in between. We'll match you with a lender who wants to say yes. Interest rates start as low as 7.49.

We Keep Your Credit Protected

With our single application, we pre-qualify you for consideration by multiple lenders.

You avoid the downside of multiple companies checking your credit all at once but still get the advantages of shopping around for financing.

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Pressure-Free Financing With Rec Loans 360

Purchasing a motorhome is an exciting experience, and Rec Loans 360 is ready to guide you through it to the finish line! Our passionate team makes navigating complex lending terms easier with personalized service, secure online applications, and expertise that comes with no strings attached.

Contact us today to start an application or learn more about motorhome financing opportunities.

Family outside RV in RV park

Motorhome Lending FAQs

Our experts help to answering the most common Motorhome Lending questions to make your lending experience more informed and helpful.

Just like any loan, motorhome loans require a thorough assessment of your credit and finances. The most important factor lenders consider is your credit score and payment history when considering loan approval. In general, you’ll need a minimum credit score of around 650 to qualify for a motorhome loan, though requirements vary by lender. 

Other key factors to be looked at include your debt-to-income ratio, down payment amount, income stability, and cash reserves.

The more money you can put down upfront, the better deal you can get on a motorhome loan. Making a down payment of 20% or more allows you to qualify for lower, more manageable monthly payments.

With a substantial down payment, some lenders may approve you for a lower interest rate, longer repayment term, or larger loan amount. Saving up your down payment in advance makes the financing process smoother. We say take your time, save up, and come to us to find out how you can best use your savings for a motorhome loan that comfortably gets you behind the wheel.

We work with borrowers to review their credit and finances. We help you pair up with the most competitive loan package possible. The best part of working with us is that you never go into a contract blin

On average, motorhome loans range from 10 to 15 years. However, the length can be shorter or longer based on your finances and the motorhome’s total cost. 

Keep in mind the longer the repayment period, the more interest you pay over the full term. It’s important to strike the right balance for your budget. Our team can walk you through different scenarios to find the optimal financing solution before you even start looking at lenders.

Our goal is to help you find the optimal loan structure for your specific qualifications. 

Let us help you balance getting an affordable payment while not overpaying long-term.