RV Financing Made Easy

If you’ve decided you want to finance your new RV, travel trailer, toy hauler, fifth wheel, or park trailer, you’re not alone. Seventy percent of enthusiasts do. With a minimum down payment and approved credit, you can arrange credit financing with us and get out on the road a few hours after picking out your travel trailer, toy hauler, fifth wheel, or park trailer.

Plus, you can add in all your parts and accessories, apparel, insurance, and more. You’ll have everything you need, and you only have to make one monthly payment.

And because we finance more than anyone else, we understand your special needs. Only someone who knows how you feel when you hit the starter button understands that hitting the road ASAP is your biggest concern. That’s why we make it easy.

Midwest RV works with a variety of lenders including national banks, local credit unions, and some lenders that work exclusively with RV and Travel Trailer loans.  We know how to get you approved at the best rates available.  All you have to do is fill out the form, and our finance manager will take care of the rest. Bankruptcy okay w/ current good installment history.

Click Here for online credit application

Financing FAQs

The application is securely delivered to our finance manager.  Before doing anything, we always contact the customer to find out exactly what he or she would like to accomplish, and together we decide what steps are needed to get there. This process depends on what the customer’s goals are. Nothing will be done without the customer’s permission.

n many cases, even if you have bad credit, we can still get you approved for an RV loan! As mentioned above, we have a close relationship with a wide variety of banks. Our finance manager knows which banks are most likely to approve your loan for the best rate, taking into account your individual situation. We have had good luck getting loans approved, even with credit scores as low as 550!

Your credit score WILL NOT be affected by filling out the online financing application.  Again, the application goes directly to our finance manager and no further action will take place until we contact you.  That means we will not pull your credit report, send the application out to any banks, or share your information without discussing it with you first.

We go through immense steps to ensure our website coding and security are always up to date and secure. As stated in our privacy policy, the information that you give us by filling out the form is only shared with the banks we work with.  We DO NOT SHARE OR SELL your information to any other third parties, and you WILL NOT be put on any mailing or spam lists.  We also keep all private information locked up in accordance with state law.

Sometimes, but in order to qualify for the best rates, banks typically look for at least 10% down. Getting approved with no money down depends on your individual credit situation and the RV or travel trailer that you are purchasing.

The maximum loan term can range from 96, 120, 144, 180, and all the way up to 240 months! This limit depends on factors such as how much money you put down, the year and type of RV that you are purchasing, and your credit score. As a rule of thumb, RVs under $10,000 can extend out to 96 months*, RVs over $75,000 can extend up to 240 months*, and everything else lands somewhere in between.

*with approved credit

No. We are not lenders ourselves, and can only help you get approved for loans on RVs and Travel Trailers that we sell. With our extensive inventory, there’s a good chance you can find what you are looking for. Please browse our inventory, or contact a salesman if you need help finding something that suits your needs!

Four Reasons To Finanace With Us

Interest Is Tax Deductible

Interest paid on the majority of travel trailer, toy hauler, fifth wheel, and park trailer loans is tax-deductible just like home mortgage interest. That means you can enjoy the benefits of RV travel and get a tax advantage too.

Low Competitive Finance Rates

We offer an assortment of financing options with very competitive rates. Often times our financing options are lower than local bank and credit union rates.

No Pre-Payment Penalty

We only work with financial lenders who write simple interest loans that have no pre-payment penalty if you decide to pay the loan off early.

Flexible Finance Options

We have a multitude of financial lenders that we work with on a regular basis. We will shop a variety of sources to get you the most competitive interest rate possible.
Click Here for online credit application

The Last Word On Financing

Your RV might actually cost you less in the end if you finance your purchase. By not tapping into your financial assets to purchase the RV, you can take advantage of attractive new investment opportunities that might come along and the earnings from those investments can potentially exceed the cost of your RV financing. The bottom line is that if you are thinking of buying an RV, you should check financing options to maximize your purchase enjoyment. You’ll be on the road enjoying your new RV before you know it!

Click Here for online credit application