Offer financing for
recreational vehicles

Enjoy $0 Merchant Fee Options!

Offer the lowest payments for large purchases, easy and simple!

Financing for Recreational Vehicle Dealers

Life should be full of freedom and choices. At PowerPay, we believe that dealers should be free from fees and have options to choose from. As a recreational vehicle dealer, you have the choice to refuse to pay bank fees when offering financing to your customers. At PowerPay, our core product is our No Dealer Fee program. With rates starting at 4.99%, up to 20-year terms, soft credit pulls, promotional products, rate buydowns, and more, start saving while selling more projects. By offering PowerPay to your customers, you’re investing in the growth of your business.

Join our growing network of RV dealers and start offering PowerPay RV financing for motorhomes, jet skis, snowmobiles, side by sides, golf carts, scooters, personal watercraft, and much more. It’s easy to enroll and only takes a few days to verify and approve your dealership.  As soon as your approved you can start writing loans!

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.

How it Works

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 & 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 recreational vehicle 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.

Powerpay FAQ

What’s considered a home improvement?

Any equipment, service, installation costs or other project related to home improvement qualifies for financing. The following is a partial list of what PowerPay finances: HVAC equipment & installation, attic insulation, stone veneer, windows, siding, roofing, kitchen remodels, bathroom remodels, cabinets, carpet, deck & patio, doors, fireplaces, garage doors, smart home equipment & installation, hardwood flooring, paint & wall coverings, hardscaping, landscaping, siding & exteriors, tile, stone & countertops, air conditioning & heating, gutters, spa & pool, home additions, deck building, tile installation, basement remodeling, custom cabinets, fence installation, lighting installation, garage building, cabinet installation, backsplash installation, electrical and plumbing and appliances.

What Loan Products does PowerPay offer?

Base Program
  • No Dealer Fee Options
  • Rates start as low as 4.99% (buydown)
  • staged funding available*
  • terms options are 5, 10 or 15 years (lowest monthly payment)
  • no prepayment penalties
  • no credit cards
Promotional Program
  • Up to 24 Months NO payments NO accrued interest (12-month or 24-month options)
  • Deferral Period begins at the completion of construction
  • 15 Year Product
  • NO Balloon Payment: at the end of the deferral period your customer just begins making their low monthly payment with rates as low as 8.99%
  • NO Credit Card
  • Discounts from 5%
Balance Pay (BalPay)
  • 2, 3, 5 Year NO Interest “Equal Pay” Product with an ultra-low default 8.99% APR

Why should I offer financing?

50% of all home improvement investments over $5,000 are financed. Additionally, over 30% of all homeowners research financing options before making a home improvement purchase. Offering financing enables you to close more sales and earn more money on every job. By translating a large, expensive home improvement into a low monthly payment, you’re less likely to lose sales because of pricing, and you’re less likely to see customers haggling with you over costs. Quite simply, offering financing can help you to grow your business.

Why do dealers and contractors choose PowerPay?

We were founded by a home improvement professional who knows firsthand the power of financing, as well as the damage fees can do to your bottom line and your customers’ pocketbooks. The average contractor pays 7.5% in fees on every financed home improvement project. That’s why we have no hidden contractors fees, credit cards or prepayment penalties.  There are other important benefits for dealers:

  1. Longest Terms:  PowerPay also offers the longest payment options – up to 15 years.
  2. Lowest Rate: rates start as low as 6.99%.
  3. Maximum Loan: we can offer up to $100,000 loans with staged funding for qualified contractors.
  4. Higher Approval Rates: tired of declines?  PowerPay has the highest approval rate in the industry.
  5. Fast and Direct Payments:  we wired funds fast direct to via ACH to your bank account.
  6. New Programs:  we are adding new programs to help you convert more customers, StipPay, APR Enhancement and more!

How do customers pay me and what’s my risk?

Customers don’t pay you. PowerPay will direct deposit funds into your account via ACH within 48-hours after the install. You keep 100% of the funds, and your payment is guaranteed when you complete the project. It’s simple, fast and easy. No more collection calls and chasing clients for payments.

How does PowerPay work?

By using PowerPay, you are giving your customers options to pay for home improvements with financing.  Your customer will apply online using our online application form and a decision is generated in seconds.  Once approved, you can complete the transaction with your customer from our easy-to-use portal.  Electronic documents will be sent via email and your customer can sign electronically – we are fully paperless.  Your customer won’t get any bills for a month or so after installation.  You will get paid by PowerPay in full after the installation is complete.

How do I offer PowerPay to my customers?

There are a number of ways to offer PowerPay to your customers:

First, your clients can apply at
Second, we can supply you with a link or button for you to add on your website.
Third, customers can apply by contacting our call center and using your dealer/contractor ID.
Finally, your salespeople can provide a link to apply or use a tablet with our application form during in-person visits.

Who is the lender?

While other finance companies serve as “middlemen” and take fees from you for allowing you to offer financing to your customers, PowerPay does not act as a middleman or lead generator. That’s why we are able to not charge any fees.  We have funding commitments for $15 billion.  Every borrower is approved through our systems and all loans are processed through our system. That means that we control the rate and loan term, and service every loan.

How complicated and time consuming is set up?

With PowerPay, enrollment is through a simple form that takes 2 minutes.  After that, our team will train and onboard you or your salespeople at no cost at a time that’s convenient for you.  Our process is so simple that training takes less than 30 minutes.  We can have you up and running and writing loans in one day.

Promotional Programs - the difference between PowerPay and other banks

There are several types of promotional loans. PowerPay offers two types.  Same as Cash and 12 months and 24 months no payment promotions.  First, PowerPay promotional loans are not credit cards.  They are unsecured personal installment loans.  The main difference between a credit card loan and PowerPay promotion is the interest rate once the promotion is over.  In most credit card “teaser” promotions that rate, once the promotion ends, will be in excess of 29%.  Our loans, once the promotion ends will be approximately 8.99% for 15 years with no prepayment penalties so customers can pay off whenever they like.  We don’t like the credit card promotions because the fees are excessive and we’ve seen too many people get hit with accelerated payments and massive fees.  It’s just unfair and most contractors don’t seem to care what the customer pays after they’ve completed their job.

With uncertainty in the economy and financial markets we believe that if a customer wants to use the promotion and then pay it over time, it should be at a fair and reasonable rate.  Most contractors and dealers offer “teaser” promotions as a marketing tool but at the end of the day, only consumers will above-average credit qualify.  PowerPay offers promotions for customers at many credit levels.

Our same as cash promotions essentially allow the customer to make a purchase and pay off the loan in equal monthly installments similar to how you purchase an iPhone.  These programs are offered with the lowest fees in the industry.  Ask your sales rep for more information.