Buying An RV Should Be Fun!

Buying an RV is a big commitment as well as major investment on your part. It may require some time and advance preparation to get your money situation organized.

Doing this prep work can save you money when you borrow.

While you are doing the prep work, consider renting an RV to make sure you really want to make this huge commitment.

Another benefit to renting is to try out a particular type or size of RV to see how it fits your family.

You may decide to try out a few different styles to get just the right model. Taking your time on this important investment will save you money in the long run.

Buying an RV From a Dealer

Getting an RV financed is not hard.

Your RV dealership can help you with all your financing questions.

They can also help in getting you financed with some great loan APRs.

Getting all the research done beforehand will help you make a final decision. 

Shop online so you can get familiar with styles, models, features, and prices.

Know your limits on what you can spend before you go looking.

Get pre-approved from your lender and it will save some time and possibly some embarrassment later on.

If your credit is not considered to be good, your APR will not be the greatest.

You can use our loan calculator to figure out what your approximate payment will be. Keep in mind, your insurance is not added to your payment.

You know how much you are able to spend when buying an RV. You know what your payment needs to be in the range you can afford. You know what size camper you need. You know your credit information.

All of these factors need to be finalized before you go to your financial institution. Do your homework. Ask questions. Shop around for the best rate. Know what you want before you venture out.

Not all banks are alike. Some can finance based on your credit history, some based on your assets, some on your income and some based on your job.

Buying a Pre-Owned RV

Pop up camper

If you know you will be buying a pre-owned RV, whether from an individual or from a dealer, take the time to get familiar with current values.

You can study the Kelly Blue Book and NADA price guides, as well as online platforms like RV Trader,, and others.

This will help you narrow down your choices to fit your budget and you'll know what you're looking for and what you should pay for it.

Be sure to check into insurance costs, too, so you won't be surprised by an unexpected expense. And don't forget that you might need to buy camping gear as well.

Buying from an Individual

If you are looking for a private sale used RV, your loan will be based on the make, model and blue book price. Do a thorough inspection, inside and outside, before you consider buying a used RV.

Look for hidden damage and previous repairs. Take someone along with you that is trained to look for imperfections in the body. Ask the seller to demonstrate the appliances and other features.

Ask questions about anything that doesn't look just right.

You may be able to get a better price from a private seller than from a dealer, but you may get a short warranty from a dealer.

There are pros and cons to both approaches, so do lots of research and comparison shopping.

And then after you buy your RV you can look forward to the fun of furnishing it to make it really your own.

You might like these

  • RV Financing FAQ

    RV Financing FAQ - most commonly asked questions about your loan. Always ask BEFORE you buy.

  • Fifth Wheel Campers

    Fifth wheel campers are an easy, convenient, and roomy RV camping option.

  • RV Loan Calculator

    RV loan calculator, RV financing and FAQs to help you determine your payments and ownership costs.