Stop dreaming and start RVing.

How do I get an RV loan?

You can apply for a loan online in just minutes, or by phone at 855.855.8805. First, check your credit. If everything is in order, including your debt-to-income ratio, determine how much you need to borrow and locate a loan that fits your needs.

What information do I need to apply?

You will need to provide basic demographic and employment information. We’ll also ask for information about RV you are interested in buying or refinancing. As part of the underwriting process, our lender may ask for proof of income and a copy of the sales contract.

How does the closing process work?

The buyer and seller do not need to visit a First Tech branch or be in the same place to close the loan. Once we receive the paperwork back from both parties, we will disburse funds in 1-2 business days. If the boat is currently financed, we will direct funds to the lienholder to pay off the loan. Otherwise, the funds will be paid to the seller by check.

Are there application fees and closing costs?

The closing costs vary according to value added services provided. Minimum charges start at around $200 and increase subject to services provided.

What does RV insurance cover?

RV insurance comes with options not available with standard car insurance. An RV policy typically includes Liability, Uninsured Motorist, Medical Payment, Comprehensive and Collision coverages. There are also additional coverages available that can be equally as important, but that you may not have thought about, such as personal effects, roadside assistance, vacation liability, and custom equipment. For more information, and to get a no-obligation quote, check out First Tech Insurance Services.

How long will it take to get a decision?

Most loans are approved right away or within a business day, depending on the amount being financed and your overall credit and situation.

Can I get an RV loan with bad credit?

Securing an RV loan with bad credit is still possible. We have a full range of products to offer to all credit types. We will work with you to understand your unique situation.

How can I check the value of the RV I'm buying?

We recommend you access the NADA Guides RV Value Online Tool, powered by J.D. Power.

Can I finance the sales tax on my boat or RV purchase?

Yes, First Tech consider sales tax in the total price of the vessel.

How long is my loan approval good for?

Approval and rate commitments are valid for 30 days.

What is the maximum term available for a boat or RV loan?

The maximum term we offer is 15 years or 180 months.

What is the oldest RV you finance?

We can finance RVs up to 10 model years old or 100,000 miles. PLEASE NOTE: For used RV, Camper, and Travel Trailers Loan (2-5 model years) add 0.50% to the advertised New RV Loan rate. For Older Used RV Loan (6-10 model years) add 1.00% to the advertised New RV Loan rate.