Buying an RV is an exciting milestone — it’s the start of new adventures, weekend getaways, and unforgettable memories on the open road. But before you can hit the highway, you’ll need to navigate one important step: RV financing.
Whether you’re purchasing your first travel trailer or upgrading to a luxury motorhome, understanding how RV financing works can make the process smoother, smarter, and more affordable. Let’s break it all down — from credit scores and trade-ins to the various payment options available at Kunes RV.
1. Understanding How RV Financing Works
RV financing works much like auto financing. You’ll make a down payment, borrow the remaining balance, and then pay it off over time with interest. At Kunes RV, we work with a wide network of trusted lenders to help customers find flexible terms and competitive rates — regardless of credit history.
The goal is simple: get you into the RV that fits your lifestyle and your budget.
2. How Credit Impacts RV Financing
Your credit score plays a major role in determining your loan terms. Higher credit scores usually mean:
- Lower interest rates
- Smaller down payments
- More favorable loan terms
But don’t worry if your credit isn’t perfect. At Kunes RV, we regularly help buyers with a range of credit backgrounds. Our finance experts will review your situation, explain your options, and help find a loan that works best for you.
Pro Tip: Before you apply, check your credit report for errors and pay down any small debts. A little preparation can make a big difference in your loan approval and rate.
3. Using a Trade-In Toward Your RV Purchase
If you already own an RV, travel trailer, or even a vehicle, you can trade it in to reduce your overall loan amount.
Here’s how it works:
- Appraisal: Kunes RV will inspect your RV or vehicle and provide a fair market value.
- Credit Toward Purchase: The trade-in value is applied directly to your new RV purchase price.
- Lower Loan Amount: You only finance the remaining balance after applying your trade-in value.
This option helps many buyers lower their monthly payments or even upgrade to a model they thought was out of reach.
4. Down Payments and Loan Terms
Typically, lenders require a down payment of around 10–20% of the RV’s price. Making a larger down payment can:
- Reduce your monthly payments
- Shorten the loan term
- Save you money on interest over time
At Kunes RV, our finance team will help you explore down payment options that align with your comfort zone.
Loan terms usually range from 5 to 20 years, depending on the RV type and price. Longer terms can make monthly payments more manageable, while shorter terms reduce total interest paid.
5. Payment Options and Flexible Financing Plans
When it comes to payment options, Kunes RV offers a variety of solutions to make ownership easier:
- Fixed-Rate Loans: Steady monthly payments with predictable budgeting.
- Variable-Rate Loans: Fluctuating rates that can start lower initially.
- Manufacturer Promotions: Special low-rate financing or cash-back incentives.
- Extended Service Contracts: Add protection and peace of mind for the road ahead.
We also offer online pre-approval — allowing you to shop confidently, knowing your budget and payment range in advance.
6. Financing New vs. Used RVs
Financing a new RV typically comes with better rates and longer terms, while used RVs often require a larger down payment and shorter loan duration.
That said, buying used can be a smart financial move — especially with Kunes RV’s thoroughly inspected and certified pre-owned inventory. We’ll help you weigh the pros and cons so you can make the best decision for your travel goals.
7. Why Finance with Kunes RV
At Kunes RV, we’re more than just a dealership — we’re your partner in adventure. Our Finance Center works with dozens of local and national lenders to secure competitive rates and terms for every type of buyer.
We make financing easy with:
- Transparent pricing and zero hidden fees
- Fast, on-site approvals
- Tailored financing plans
- Friendly experts who guide you through every step
Our goal is to help you hit the road with confidence — and a payment plan that fits your life.
8. Ready to Start Your RV Financing Journey?
Your RV adventure starts here. Whether you’re exploring financing options, calculating payments, or considering a trade-in, Kunes RV makes it easy.
👉 Visit your nearest Kunes RV location or start the process online today. Our financing experts are ready to help you turn your RV dreams into reality — one road trip at a time.
