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RV Loans

RV Loans From $35,000 & Up
Quick Approvals & Flexible Financing Solutions for Everyone!

How To Apply For A RV Loan

1

Search

The first step in the RV buying process is finding a new or used RV that meets your needs! Start by figuring out your budget by using a RV loan calculator. Then, take your time and find the perfect RV that meets all your needs! We finance RVs up to 15 years old.

2

Apply

Once you have found the perfect RV, it is time to apply for financing. Our online application system is quick & easy and will pair you with one of our RV lenders.

3

Enjoy

With our RV loans, you can expect a fast-funding process. First, we will email your loan documents directly to you and once returned to us, it’s a quick turnaround. This way, you can get out on the road sooner and enjoy your next adventure! Use your RV loan to buy from a broker, dealership or a private party. We accommodate all three sources.

Excellent Customer Satisfaction

4.8 Stars
4.8/5

Recreational Vehicle Loans

As a national lender with over 33 years experience, the team at Chesapeake Financial are not only RV loan experts, we’re RV enthusiasts. We make RV adventures possible every day. Our business is built upon treating each customer with respect and helping them achieve financing for the RV of their dreams. We know how important customer service is, which is why when you contact us, you’ll be speaking with an expert in the field, not an automated system.

Debt to income ratios and credit scores are the number one problem for qualifying for an RV loan. But not here at Chesapeake Financial. If you have good credit, we’ll get you a loan. We will work to ensure that every possible option is considered before making a loan determination. Our fast and secured process also ensures that you’ll receive a response from us within hours but in the majority of cases, the same day you apply. We’ll go farther to qualify you for an RV loan than a bank would ever think about doing. Banks say “Yes” or “No”. We dive deeper than that!

Our RV Loan Benefits

  • Competitive interest rates
  • Loans starting at $35,000
  • No income verification on most RV loans
  • Approvals within hours
  • We finance RVs up to 15 years in age.

Our Lending Perks

  • Call us today to pre-qualify over the phone!
  • We work with dealers, private parties, and brokers
  • Buying process guidance and assistance
  • We help with the titling and registration of your RV
  • Self-employed borrowers have an ally here.

If you have any questions about current interest rates and terms or questions about our RV lending process, please contact us today. Our team will be happy to answer any of your questions and assist! We strive to make the RV loan process as seamless as possible so you can spend more time traveling and camping!

Financing Your RV Loans

Whether this is your first RV purchase or you’ve been traveling on the open road for a while, Chesapeake Financial can secure funding for your RV purchase. We offer the best loan rates, terms, and exceptional customer service that you’ll be hard-pressed to find anywhere else. We offer financing for new and used RVs.

The RV loan application process is simple. We protect your credit file and evaluate your credit history to secure you the best RV loan possible to fit your budget. Our process ensures a seamless transition from application to funding. We even counsel you through the titling process. If you have any questions at any time, we’re only a phone call away. Once you are ready, take the next step and apply online!

New & Used RV Financing

Whether this is your first RV purchase or you’ve been traveling on the open road for a while, Chesapeake Financial can secure funding for your RV purchase. We offer the best loan rates, terms, and exceptional customer service that you’ll be hard-pressed to find anywhere else.

The RV loan application process is simple. We protect your credit file and evaluate your credit history to secure you the best RV loan possible to fit your budget. Our process ensures a seamless transition from application to funding. We even counsel you through the titling process. If you have any questions at any time, we’re only a phone call away. Once you are ready to get started take the next step and apply online!

Loan Calculator

Want to estimate your monthly payments? Check out our easy-to-use RV loan calculator so you can budget in advance for your new loan! If you would like more information about the type of loans we offer, call our team today! 

Types Of Loans That We Offer

People camping at a campsite with their RV that they purchased with RV Loans

No Income Verification RV Loans

Are you a self-employed business person looking for RV loans without income verification? At Chesapeake Financial, we specialize in no proof of income loans to help you acquire the boat you want.

A no-doc loan means the borrower doesn’t have to provide the lender with standard proof-of-income documents such as tax returns, paychecks, or W2s. We may verify your income through bank statements, savings, assets, stock holdings, and more. Traditionally, RV loans with no income verification have larger down payment requirements as well as higher interest rates.

RV Loan Refinancing

Do you need to refinance your RV? Now’s the perfect time! Whether you want a lower payment, a better interest rate, modifying your ownership, or simply looking to extend your term, you’ll find that refinancing your RV loan is a simple process with Chesapeake Financial. You’ll receive a fast response after submitting your application through our secure portal. If you have any recreational vehicle refinancing questions, feel free to give us a call. We look forward to speaking with you soon.

Refinancing loan amounts start at $100,000 with proper valuations.

Frequently Asked Questions About RV Loans

We can approve most applicants within 24 hours and as fast as instantly. In some situations, it can take longer if lenders request bank statements or tax returns. 

RV loan rates are based on your credit score and the purchase price of the  recreational vehicle you’re buying. Furthermore, the interest rate will depend on the type of loan you are looking for, such as a 15-year or 20-year loan. Loans that are only 15 years on average have a lower interest rate. If you are trying to avoid high interest rates, you may consider financing a newer recreational vehicle for 15 years.

Call us for specifics regarding your situation.

Yes. Repaying the loan ahead of schedule will not incur any prepayment penalties.

Depending on the age and the amount borrowed, as many as 20 years in term.

Applying for an RV loan is very similar to auto loans and personal loans. Knowings your credit score is very important. That puts you in the driver’s seat and not the lender. You can find your score for a small fee through any of the big three reporting agencies. Experian, Transunion and Equifax. Knowing your budget is always a great place to start as well. It’s as simple as giving us a call and we can help you navigate these challenges.

RV loans are similar to car loans. Once you’re approved, the lender provides funds to purchase the RV. You then make regular monthly payments over the agreed loan term. The RV serves as collateral for the loan, which means the lender can repossess it if you fail to make payments. Interest rates and terms vary based on the lender and your financial situation.

Check Out Our Other RV Loans

We’re a national RV lender that serves the contiguous 48 states. Here are a few of the states where we service RV loans.