Financing/Buy here, pay here
In-house financing means we carry the loan ourselves. About half down, up to two years, at a higher rate than a bank. In return, we can approve people a bank won't.
Who it's for
Bankruptcy, a repo, medical collections, a thin file. A lender's software sees a score; we see a down payment and a job.
Self-employed, cash-heavy, seasonal or newly employed. If you can show us how you get paid, we can work with it.
Lenders cut off at a model year. A well-kept older trailer we've inspected and repaired can be a great buy that no bank will write.
Many lenders won't finance an RV that's going to be a primary residence. Tell us up front — it isn't a problem here.
The terms
| Item | In-house financing |
|---|---|
| Down payment | Typically about 50% |
| Term | Up to 24 months |
| Interest rate | 18.99% – 24.99% APR |
| Who qualifies | Total monthly debt payments, including the new one, under 50% of your gross monthly income — the same debt-to-income test most lenders use |
| Payments | Monthly — online, by phone or in person in Lincoln |
| Late payment | 10-day grace period, then a late charge of 10% of that month's payment |
| Decision | One business day on a complete application |
| Early payoff | No prepayment penalty — pay it off any time |
| Credit reporting | We don't currently report in-house loans to the credit bureaus — paying on time won't raise your score, and a rough patch won't lower it |
| GPS | Financed units carry a GPS locator until the loan is paid off. It's disclosed in your contract and removed when you're done. |
Same RV, same promises
Questions
No. Same application. We try outside lenders first, and if they pass, we look at it ourselves.
Sometimes — it depends on the RV, your income and your trade. Half is the typical number, not a wall. Ask.
Call us before it's late. One honest phone call solves most problems. There's a 10-day grace period; after that, a late charge of 10% of that month's payment applies.
Not through us — we don't currently report in-house loans to the credit bureaus. If rebuilding credit is the goal, a credit union loan is the better tool, and we'll run every application past outside lenders first for exactly that reason.
Apply once. If a lender approves you, great. If not, you'll hear what in-house looks like within a business day.
