Frequently Asked Questions
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US-DFS FAQs
What is US Dealer Financial Services?
US Dealer Financial Services (US-DFS) is a nationwide provider of boat and RV financing solutions. We work directly with customers and dealers to offer fast, flexible loan options—regardless of credit history. Our mission is to simplify the financing process and help more people get out on the water or road with confidence.
Where is US Dealer Financial Services Located?
What services does US-DFS offer?
US-DFS offers boat and RV loans for both new and used units, along with quick online pre-qualification to streamline the process. We provide extended service contracts, warranties, and full dealer F&I support. You can also get insurance quotes and binders directly through us. Whether you're buying from a dealership or a private seller, we can arrange financing and help protect your investment.
How do I apply for a boat or RV loan?
Apply anytime on our secure website. Complete the short form, and one of our specialists will reach out to walk you through approval and next steps.
Can I get pre-qualified before applying for a loan?
Absolutely. Our soft-pull pre-qualification shows how much you can borrow without affecting your credit score—perfect for shopping with confidence.
What are the current interest rates for financing a boat?
Boat and RV rates generally range from 5.24 % to 9.74 % APR. Your exact rate depends on credit score, down payment, loan term, and collateral. Once we review your application, we’ll quote a personalized rate.
How do I qualify for a boat or RV loan?
What documents do I need to apply for a boat or RV loan?
To get started with your loan application, you’ll need a few key documents: proof of income (such as recent pay stubs or tax returns), a valid driver’s license or government-issued ID, and permission for us to pull your credit report. You’ll also need a spec sheet or purchase agreement for the boat or RV you’re financing.
How long does the loan approval process take?
Most applications are approved the same business day. Once you’re cleared, we’ll finalize paperwork so you can close quickly.
Do you offer insurance for boats and RVs?
Yes. We shop multiple A-rated carriers to find coverage for physical damage, theft, liability, and more, then help you pick the plan that fits.
What does the insurance cover?
Typical boat and RV insurance policies provide protection against collision and physical damage, as well as theft, fire, and storm-related events. They also include liability coverage for bodily injury or property damage. Optional add-ons are available for enhanced protection, such as roadside or on-water assistance, personal effects coverage, and more.
What types of warranties do you offer?
We sell extended service contracts for new and used boats and RVs. Plans cover key components—engine, transmission, electrical, appliances, and other major systems—providing peace of mind long after the factory warranty expires.
What credit score is needed to apply for a boat or RV loan?
Scores of 700 + usually secure the lowest rates, but we regularly finance customers in the mid- to upper-600s. Talk to us; we aim to match each borrower with a loan that makes sense.
Do you provide financing for used boats?
Yes. We finance a wide variety of pre-owned boats and RVs. Terms depend on the unit’s age, condition, and market value; we tailor each offer to your budget.
Can I refinance my boat or RV loan?
Definitely. Refinancing can drop your rate, lower monthly payments, or change your term. Let us review your current note and show potential savings.
What types of boats or RVs do you finance?
We finance a wide variety of boats and RVs, including center-consoles, pontoons, fishing boats, bowriders, cruisers, yachts, and more. On the RV side, we offer financing for travel trailers, fifth wheels, toy haulers, motorhomes, and camper vans. Please note that we typically do not finance home-built units or vehicles in poor condition.
How does a boat or RV loan work?
These are secured installment loans: we pay the seller, you repay us in monthly installments (principal + interest), and the boat or RV serves as collateral until the loan is satisfied.
What are the eligibility requirements for a boat or RV loan at US-DFS?
We evaluate credit score, steady income, debt-to-income ratio, and sometimes additional collateral or assets. Each file is underwritten individually to ensure you can comfortably afford the loan.
Why should I choose US-DFS for boat and RV financing?
With over 50 years of combined experience in marine and RV financing, US-DFS offers competitive rates for a wide range of credit profiles. Our fast, friendly approval process and flexible loan terms make it easy to secure the right financing. As a one-stop shop, we also provide insurance, extended warranties, and dedicated dealer support to simplify the entire buying experience.
How can I book an appointment?
Call 201-919-3077 or 833-809-3800, or email contact@us-dfs.com. We’ll schedule a convenient time, answer questions, and help you take the next step toward your new boat or RV.
