RV & Camper Van Financing
Finance Your RUV Van Build.
Every Adventure Wagon RV and RUV (Recreational Utility Vehicle) is RVIA certified and built to meet DMV requirements. That means RV financing is straightforward, your rig is insurable, and you're ready for the road.
Adventure wagon Financing 101
Learn how our financing works.
Certified Builds. Real Financing. Zero Headaches.
Get the details on how it works, typical rates, qualifying builds and what’s covered. Still have questions? Our team is happy to walk you through it.
How it works
Five steps take you from a finalized build to delivery. You work with our financing broker on your loan while we handle the build.
- Make your choices. Finalize your RV or RUV build with our sales team, including chassis, design, features and total price.
- Connect. Once your build details are locked in, we introduce you to our financing broker.
- Review. Go over loan options with the broker, including terms, payments and next steps.
- Deposit. A 10% deposit starts your build. When applicable, your loan down payment can cover it.
- Build and deliver. Once you’re approved, we aim to complete and deliver your build within 45 days whenever possible, to avoid credit re-checks or rate changes.
Loan basics
Most Class B vans qualify for RV loans, which typically offer longer terms and lower monthly payments than standard auto loans.
- Loan terms: Usually 10–20 years, depending on loan size and lender
- Down payment: Often 10–20%, though some lenders offer lower options.
- Interest rates: Based on your credit score, loan term and lender.
- Loan amounts: Can cover both the van and the build when bundled properly.
Because Class B RVs are classified as recreational vehicles, lenders may offer more favorable terms than they do for standard vehicle loans. That’s especially true for RVIA-certified vans, since certification signals that the build meets industry safety and construction standards.
Loan Rates
Typical New RV Loan Rates:
- 740+ credit: ~5.0%–7.0% APR
- 700–739: ~6.5%–9.0% APR
- 660–699: ~8.5%–11.0% APR
- Below 660: ~10%–13%+ APR
Rates as of October 2026. Shown for reference only. Financing is subject to credit approval, and your actual rate and terms are set by the lender.
Qualifying builds
To qualify as a Class B RV, a van generally needs several securely installed living features. Every Adventure Wagon RV and RUV build is designed with these in mind.
- Sleeping area: A bed or convertible sleeping space.
- Cooking: A fixed stove, cooktop or integrated system.
- Water system: A sink with a fresh water supply, sometimes with grey water.
- Electrical: A house battery and wiring, often with shore power or solar.
- Climate control: A heater and/or ventilation system.
- Sanitation: A fixed or portable toilet.
What’s covered
Your loan amount is based on your finalized build price. Rates and terms are set by the lender at approval.
Eligible
- New Adventure Wagon RV buildsNew
- Adventure Wagon RUV builds
- In-stock and Turnkey Adventure Wagon vans
Not Eligible
- Used units
- Third-party purchases
- Builds that don’t meet RV requirements
Why a broker
- More options. Our broker gives you access to multiple lenders and loan programs, not just one.
- Specialized. Our broker focuses on financing for new RV builds, so they know how to structure loans like yours.
- Easier registration. Out-of-state registration can get complicated. Our broker helps you through it, so the process runs smoothly once your build is finalized.
You work directly with the broker on financing while we manage your build.