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RV Financing Options

Flexible RV loans, competitive rates, and trusted lending partners to help you bring home the RV you love.

RV Loan Application

Smart RV Financing Made Simple

Fretz RV offers competitive RV financing on both new RVs and used RVs. With attractive rates and terms up to 15–20 years for qualified buyers, monthly payments are often much lower than you might expect—making ownership of the RV of your dreams more affordable than ever.

Benefits of Financing Through Fretz RV

  • No pre-payment penalties
  • Simple-interest RV loans
  • The RV is the only collateral, helping protect your home and other assets
  • Fast approvals for qualified buyers
  • RV Extended Warranties and optional travel protection programs available

Why Finance Your RV with Fretz RV?

Financing your RV through Fretz RV and our lending partners helps you keep more cash in the bank while enjoying your RV now. Our finance team works with RV-focused lenders every day and knows how to structure loans that fit a wide range of budgets.

  • Financial flexibility: Avoid liquidating investments or draining savings.
  • Competitive terms: RV-specific lenders often offer 10–20 year terms with manageable monthly payments.
  • Reasonable down payments: Many programs start around 10–20%, depending on credit and RV details.
  • Potential tax advantages: If your RV includes sleeping, cooking, and bathroom facilities, it may qualify as a second home—meaning interest could be tax-deductible. Always verify with your tax advisor.
  • RV-only collateral: Your loan is typically secured by the RV itself, not your primary residence.

Fretz RV Lending Partners

We work with a wide network of trusted banks and lenders to help secure competitive rates and terms tailored to your needs.

Alliant Bank
Aqua Finance
Bank of America
Bank OZK
BMO Bank
First Commonwealth Bank
Genisys Credit Union
Huntington Bank
M&T Bank
Marine One
Medallion Bank
Merrick Bank
Northwest Bank
One Source
Roadrunner Financial
Sago Financial
Source One Financial
US Bank
Wayne Bank
Westlake Financial
PSECU
American Heritage Credit Union
People First
First Commonwealth Federal Credit Union

RV Financing FAQ

What kind of terms can I get on an RV loan? ➕

Terms vary by lender, but many RV loans range from 10–20 years, depending on the amount financed, the RV’s age, and your credit profile. Longer terms can help keep your monthly payment lower and more budget-friendly.

How much do I need for a down payment? ➕

Many RV lenders look for down payments around 10–20%, but it can vary based on your credit, the RV’s price, and age. Our finance team can review your options and help you understand what to expect before you apply.

Can I finance a used RV or trade-in? ➕

Yes, many lenders offer financing on used RVs, subject to age and condition guidelines. If you have a trade-in, we can often apply your equity toward your down payment and, in some cases, roll an existing payoff into your new loan.

Will applying for RV financing affect my credit score? ➕

Like any loan application, lenders will typically run a credit check, which can have a small impact on your score. We work with multiple lenders and try to structure the process efficiently while still finding you competitive terms.

Is RV loan interest tax-deductible? ➕

In some situations, yes. If your RV has sleeping, cooking, and bathroom facilities, it may qualify as a second home and the interest could be tax-deductible. Always consult a tax professional to confirm how current tax rules apply to you.

Ready to Explore RV Financing?

Compare options, run payments, and apply online—then hit the road in your new RV.

Apply for RV Financing