Offer financing for
recreational vehicles

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RV Financing for Dealers

Dealers are always looking for new and innovative ways to increase sales. One way to do this is by offering RV financing. This can be a great way to attract buyers, especially those who may not have the cash on hand to purchase a RV outright. There are a few things dealers should keep in mind when it comes to RV financing though. In this post, we’ll discuss some of the basics of RV financing so dealers can make the most of this selling tool. Stay tuned!What is a recreational vehicle?

Why would a customer need RV financing?

A recreational vehicle, or RV, is a vehicle used for pleasure trips or vacations. RVs come in a variety of shapes and sizes, from small campers to large motorhomes. They can be towed behind a car or truck, or they may have their own engine.

The typical cost of a RV can range anywhere from $15,000 to $100,000 or more. The type of RV you purchase and the geographic location of the dealer will affect the price. Many people finance their RVs because it allows them to spread out the cost over time. This makes it more affordable for many buyers.

What are some payment options?

There are a few different payment options available for customers financing a RV. These include:

– Out-of-pocket: Customers can pay for their RV outright with cash or a check. This is the simplest form of payment, but it may not be an option for everyone.

– Line of credit: Customers can take out a loan from a bank or other financial institution to finance their RV purchase. This option usually requires good credit and may have fees associated with it.

– Credit cards: Customers can use credit cards to finance their RV purchase. This option may have high interest rates, so it’s important to read the terms and conditions carefully before using this method of payment.

– Personal loans: Customers can also get personal loans from family and friends to finance their RV purchase. This option may have lower interest rates than other methods, but it’s important to make sure all terms and conditions are agreed upon before taking out the loan.

Recreational Vehicles Services


Offer ATV loans for Can-Am, Honda, Kawasaki, Polaris, Suzuki, Yamaha, and Arctic Cat

Golf Carts

Offer loans for any golf cart from Club Car, E-Z-Go, Yamaha, Star EV, American Custom Golf Carts, Polaris GEM, Garia, Tomberlin, and more

Jet Ski's

Offer loans for jet skis from Kawasaki (Jetski), Bombardier (Sea-Doo), Yamaha (WaveRunner), Honda (AquaTrax), Polaris (Sealion) and Arctic Cat (Tigershark)

Mobile Homes

Offer loans for Cappaert, Cavco, Champion, Clayton Homes, Commodore Corp, Deer Valley Homes, Destiny Industries, Eagle River Homes, and more


Offer motorcycle loans for BMW, Ducati, Harley-Davidson, Honda, Indian, Kawasaki, KTM, Suzuki, and more

Side by Side's

Loans for side by side vehicles including Arctic Cat, Polaris, Honda, Yamaha, Kawasaki, Can-Am, CF Moto, Kymco and more


Offer snowmobile loans for any Arctic Cat, Polaris, Honda, Yamaha, Kawasaki, Can-Am, CF Moto, Kymco and more


Offer scooter loans for Honda, Vespa, Yamaha, BMW, Genuine, Evolve, Boxx, California, Piaggo, Kawasaki, Aprilla, CF Moto

Personal Watercraft

Offer loans for Sea-Doo, Gibbs, Yamaha, Kawasaki, Honda, Artic Cat and more

Introducing Concierge

Our newest service, PowerPay Concierge, was developed to help our merchants maximize their consumer financing program.  Having worked with over 6,000 merchants and thousands of borrowers, we took the most effective techniques and built a team that handles all aspects of a loan from application to funding.

Your concierge is your own finance manager and will help you sell, process, and close every one of your loans.  The premium program is available to our merchants that don’t have a finance team but know the value and importance of consumer financing.
Learn more today!


of Americans have less than $600 in savings.


of dealers report financing increases their average sale.


of borrowers feel financing allows them to make a larger purchase.

What are the benefits of financing with PowerPay?

PowerPay offers RV financing with no hidden merchant fees or HCP/office fees, helping the customer get the service they need more affordably. With RV financing from PowerPay, customers can invest in their vehicle with no upfront cost. PowerPay also offers payment right away, so there is no need to wait for payment. And PowerPay offers financial management help for coordinating loans, making it easier for customers to get the solar panel financing they need.

Today, consumers only purchase what they can afford. Adding RV financing as a payment option for your business can help you attract new customers and grow your business.

How do I apply for RV financing with PowerPay?

Enrolling is easy! Don’t worry- we will be with you throughout the entire process. Once you’ve enrolled and been approved (can take a few days) to offer PowerPay loans, training will be provided for you and your team, along with resources including mobile links for when you are in the home, marketing assistance, printed guides, excellent customer service, and on-demand assistance for any loan.

Once you and your team have been trained, you can start offering loan products to your customers. Using a simple application link, your customers can apply for a loan. Once approved, the system will guide you through the process of loan product selection, sending loan documents, collection of identity & work order documents, processing of stipulations for applications that may need a little more work, and funding. We have a team standing by from 8 am – Midnight (EST) everyday to help you.

For contractors and dealers new to consumer financing or do not have the resources to manage the loan process, we offer our Concierge service. Concierge is our white glove service that offers dealers instant and on-call access to their own personal finance manager who will manage the entire process for you! Learn about Concierge.

Win More.

close more sales by focusing the price on low monthly payments

Keep More.

eliminate paying fees to banks and finance companies

Earn More.

no more compromising on price – upsell the vehicle your customer really wants


Recreational Vehicle Dealer Financing FAQ’s

What advantages would RV financing provide my customers?

There are a few benefits that come with financing a recreational vehicle. First, it can help you get the RV of your dreams without having to pay for it all upfront. This leaves you with more money to spend on your vacation and less worry about your finances. Second, RV financing can come with lower interest rates than other types of loans. This means you’ll save money in the long run and can enjoy your RV even sooner.

Will applying for an RV loan impact my customer’s credit?

It depends on the loan provider and if they perform a hard or soft credit pull. A hard credit pull will lower your customer’s credit score, while a soft credit pull will not. If you’re on the market for an RV lending partner, it’s important to choose a provider that performs a soft credit pull. This will minimize any negative impact on your customer’s credit score and won’t affect their ability to get approved for a loan.

Why should I offer RV financing to my customers?

There are several reasons to offer RV financing to your customers. The first being that the costs of purchasing an RV outright, or even affording a down payment can be significant and offering financing will help to reduce your customer’s upfront costs to make it easier for them to afford their new RV. If you offer financing, you’re also opening yourself up to increased sales by providing customers who don’t have other means of purchasing an RV additional options.

Offering Customer Financing for RV Purchases with PowerPay FAQ 

Learn more about offering financing as well as answers to other frequently asked questions about PowerPay loans on our merchant PowerPay FAQ page.