How to Get a Loan for an Older Boat: What You Need to Know
Thinking of buying a used or older boat? Learn how to secure financing, what lenders look for, and how US-DFS makes the process easier—no matter your boat’s age.
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OUR EXPERT SERVICES
Apply for a RV Loan
Buying an RV isn’t just about getting a vehicle—it’s about chasing adventure, making memories, and enjoying the freedom of the open road. At US Dealer Financial Services (US-DFS), we make RV ownership more accessible with flexible loan options, fast approvals, and competitive rates.
Whether you’re buying a new motorhome or a used travel trailer, our RV loans provide affordable financing to help you get on the road with confidence. With flexible payment plans and terms of up to 20 years, we tailor each loan to fit your lifestyle and budget.
Apply today and take the first step toward owning your dream recreational vehicle.
Estimate Your RV Payments With Our Loan Calculator
This boat and RV loan calculator will help you determine the monthly payments on your boat or RV loan. Simply enter the loan amount, term and interest rate in the fields below and click calculate. This calculator will show you both the principal and interest payments you would make on a fixed-rate loan.
ABOUT OUR SERVICE
What You Should Know About RV Loans
What is an RV Loan?
An RV loan provides financing for the purchase of a new or used recreational vehicle. These loans typically have fixed terms and interest rates, and the RV itself is often used as collateral.
Why Are RV Loans Important?
RV loans are essential for making the ownership of recreational vehicles more attainable. They provide financial flexibility by allowing purchasers to spread out the cost over time instead of paying the full price upfront. This makes the adventure and leisure associated with boats and RVs more accessible to a broader audience.
At US-DFS, obtaining an RV loan is streamlined through our quick, 5-minute online credit application. Once submitted, our dedicated team promptly reviews your application, striving to secure the most suitable loan that matches your specific RVing needs.
Types of RV Loans
- New RV Loans: Great for first-time buyers looking for modern features.
- Used RV Loans: Budget-friendly financing for reliable pre-owned RVs.
- Secured RV Loans: Lower rates when the RV is used as collateral.
- Unsecured RV Loans: No collateral required; flexible but may carry higher rates.
What Do You Need to Apply For an RV Loan?
- Good credit score (ideally 700+, but we work with lower scores too)
- Reasonable debt-to-income ratio
- Net worth/assets to support financing
- RV details (make, model, year, condition, price)
Our Step-By-Step Process
1. Intake
Begin with the pre-qualification process by completing a simple form available at https://app.us-dfs.com/. The form involves a brief inquiry of your financial situation to determine your readiness for a loan. This step is critical to assessing your eligibility without impacting your credit score.
2. Review
After submitting your pre-qualification form, the team at US Dealer Financial Services reviews your information, focusing on finding the best loan option tailored to your specific RV needs. Once our review is completed, we'll give you a quick call and outline your options, as well as answer any questions you might have.
3. Apply
Once our consultation is completed, we'll help you apply for a loan via our online credit application. The application is straightforward and designed to get you the best financial solution for your unique RV needs.
4. Ongoing Support
After applying, US Dealer Financial Services offers continuous support. For any other queries or assistance, you can reach out to us via our Contact Us page. We are here for you throughout the entire financing journey!
Frequently Asked Questions
How do I become a dealer partner with US-DFS?
Do I need to manage the financing process?
How quickly can a customer get approved?
What types of customers can you finance?
How does US-DFS help my dealership close more deals?
Can I use a boat loan to buy a used boat?
How long are boat loan terms?
What credit score is needed for a boat loan?
Can I refinance my boat loan?
How can I get a boat loan?
What types of boats can and cannot be financed through US-DFS?
Can I get pre-approved for a boat loan?
How does a boat loan work?
How do I apply for an RV loan?
What credit score is needed for an RV loan?
Can I get an RV loan with a bad credit score?
How long are RV loans?
How can I get an RV loan?
What types of RVs do you finance?
How do I qualify for an RV loan?
How does an RV loan work?
Can I still pre-qualify with bad credit?
What are the eligibility criteria for RV loans?
What documents are required for a RV loan?
Can I finance a used RV?
Does prequalifying affect my credit score?
What does insurance cover?
Do you need boat insurance?
How much is boat insurance? What about RV insurance?
Can I get a loan with bad credit?
How long are boat loan terms?
What documents are required for a boat or RV loan?
Can I finance a used boat or RV?
How does the application process for a boat or RV loan work?
What are the eligibility criteria for boat and RV loans?
OUR BLOG
Helpful Articles
Check out the latest articles and news in boat & RV financing, insurance, and warranties.
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How Old of a Boat Can You Finance? A Complete Guide
In this guide, learn the ins and outs of financing an older boat: how old is too old, what loan terms to expect, and how to boost your chances of approval.
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New vs. Used RV: Pros, Cons and How to Decide
Shopping for an RV? Learn the key differences between new and used RVs, including pricing, features, warranties, and long-term value.
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