RV Financing
RV loans for all credit types — fast approvals, flexible terms. Excellent credit, challenged credit, or not sure where you stand? No runaround, no judgment. Just honest help getting you into the right RV.
Simple, Straightforward RV Loans
Ready to get into an RV but not sure about financing? At Big Star RVs, we make the loan process simple and straightforward — whether you have excellent credit, challenged credit, or you're not sure where you stand. We work with lenders who specialize in RV financing so we can find a payment that works for your budget.
No runaround. No judgment. Just honest help getting you into the right RV.
RV Financing for All Credit Types
One of the biggest reasons people put off buying an RV is the assumption that their credit won't qualify. We hear it all the time — and that's not always the case. If you've been turned down elsewhere, it's worth a conversation with us.
Good Credit
Competitive rates, flexible terms, and fast approval for buyers with strong credit profiles.
Fair Credit
Multiple lender options so we can find the best available fit for your situation.
Bad Credit or Past Issues
Specialized programs built for credit-challenged buyers. Terms may differ from prime offers, but we work to find the best option.
First-Time Buyers
Guidance through every step of the application process so nothing about your first RV loan feels confusing.
How RV Financing Works at Big Star RVs
The process is simple — and we explain everything in plain language, with no fine-print surprises and no terms you didn't agree to.
Choose Your RV
Browse our inventory and find the unit that fits your needs and budget.
Submit Your Application
We take your information and submit it to our network of RV lenders.
Get Your Offer
We present the best available terms and walk you through the numbers.
Sign and Drive
Once you're approved and happy with the terms, we handle the paperwork.
RV Loan Basics
A quick look at the typical numbers. Every situation is different — we shop multiple lenders to find you the most competitive rate available.
Loan Terms
RV loans typically range from 36 months up to 240 months (20 years), depending on the loan amount and lender.
Down Payment
Most lenders look for 10–20% down, though some programs require less depending on your credit profile.
Rates
Interest rates vary by credit score, loan term, amount, and lender. We shop multiple lenders to find the best rate.
Loan Amounts
We finance new and used RVs across all types — motorhomes, travel trailers, fifth wheels, and Class A, B, and C units.
Why Finance Through Big Star RVs?
You could go directly to a bank or credit union — but here's why financing through us often works better.
- We shop multiple lenders so you don't have to
- We specialize in RVs, not general auto loans — our lenders understand RV values and loan structures
- All credit types welcome — we don't turn people away before exploring every option
- Bundled convenience — buy your RV and handle financing in one place with one team
Frequently Asked Questions
Can I get RV financing with bad credit?
How long does RV financing approval take?
Do I need to put money down to finance an RV?
Can I finance a used RV?
What if I've been turned down for an RV loan before?
What documents do I need to apply?
Find Out What You Qualify For
Whether you're ready to buy today or just want to understand your options, we're here to help. Call to discuss financing, or contact us online to start the conversation — no commitment required.