Financing/Overview

RV financing and extended coverage.

Outside lenders first, our own financing when a bank says no, and an extended service contract we also repair under. One application covers the financing.

One application~5 min
Typical decision1 day
Outside lending partners2
Extended coverage from$399/yr

Financing

How to pay for it

One application covers both kinds of financing. We run it past outside lenders first, and if none of them say yes, we look at it ourselves. Coverage is separate, and can be added to either.

Bringing your own lender? Credit unions often beat dealer-arranged rates on RVs. Get their approval, bring the paperwork, and we'll write the deal to match.
How we get paid on a loan. Like most dealers, we may earn a participation from the lender when we arrange your financing. That's why the rule here is simple: if your own bank or credit union beats what we find, take theirs. We'll still sell you the RV.

Questions

Financing FAQ

Will applying affect my credit?

Yes. Submitting the application authorizes the lenders to pull your credit report, and that's a hard inquiry. Apply when you're ready to buy, not to browse.

Can I apply before I've chosen an RV?

Yes, and it's the better order. Leave the vehicle section blank and we'll tell you what you're approved for.

Do you finance older RVs?

Outside lenders have age limits that vary by lender and loan size. When a unit is too old for a bank, in-house financing is usually how it gets done.

4.9
181 Google reviewsLincoln & West Sacramento
CA dealer lic #81977BAR lic #310501Every unit shop-inspectedWritten estimates, published rates

"I hired Unplug RV to inspect the RV prior to purchase. They took their time and found every little thing that was an issue. I then hired them to fix everything."

Google reviewPre-purchase inspection · Google review

Get approved before you shop.

Apply before you've picked an RV and we'll tell you what you're approved for, the rate and the payment range. Then you can shop the lot knowing your number, and negotiate like a cash buyer.