What documentation do I need to apply for aircraft financing?

Most applicants need proof of income, a form of ID, and details on the aircraft or the type of aircraft you're considering if you haven't found one yet. Business applicants may also need to provide entity documentation and financial statements.

Do you finance both new and pre-owned aircraft?

Yes. Smart RV Finance finances new aircraft purchases as well as pre-owned aircraft, with terms adjusted for the aircraft's age and condition.

How are aircraft loan terms different from RV or boat loans?

Aircraft loans are generally underwritten with more emphasis on usage, including personal versus business use, and can carry longer terms than RV or boat loans, particularly for turboprops and light jets. Smart RV Finance structures each loan around the specific aircraft and buyer.

What credit score is needed for aircraft financing approval?

There's no single credit score cutoff for aircraft financing approval. Approval depends on your full financial picture, not just your credit score. Smart RV Finance recommends applying to see what you qualify for rather than assuming you won't qualify.

Can I get pre-qualified before I find a specific aircraft?

Yes. Many buyers get pre-qualified before finding a specific aircraft so they know their budget before they start shopping. The loan can then be finalized once they have selected an aircraft.

Is aircraft financing available for personal and business use?

Yes. Smart RV Finance provides aircraft financing for both personal and business use. Business applications may require additional documentation, such as entity paperwork and financial statements.

Service Contracts

Start Aftermarket Service Contract

What are aftermarket service contracts?

Aftermarket service contracts may help pay for covered repairs or services after a recreational purchase. Smart RV Finance helps customers explore options for eligible RVs, boats, and marine purchases, with protection determined by the selected plan and its terms.

Whether your next adventure takes you onto the open road or out on the water, understanding your coverage can help you prepare for ownership with more confidence.

What does an aftermarket service contract include?

An aftermarket service contract includes the protection described in its written agreement, which may cover specified parts, labor, or repair services. Smart RV Finance helps customers explore available options and understand how they may fit into a recreational purchase.

Before selecting a contract, review:

Covered components

Which parts and systems qualify for repair or replacement?

Parts and labor

What repair expenses does the agreement pay, and what limits apply?

Coverage period

When does protection begin and end?

Deductible

What amount are you responsible for when making a covered claim?

Exclusions

Which repairs, conditions, and expenses fall outside the agreement?

Claims requirements

Does repair work require approval, maintenance records, or an eligible repair facility?

Which recreational purchases may qualify?

Aftermarket service contract options through Smart RV Finance may apply to RVs and boats, subject to the selected plan’s eligibility requirements.

Eligible purchase types may include:

RVs and campers
Travel trailers
Fifth wheels
Motorhomes
Boats
Other eligible marine purchases

Availability depends on the specific vehicle or vessel and the contract being considered. Share your purchase details with Smart RV Finance to explore applicable options.

How does the aftermarket service contract process work?

Begin with an online request, then review eligibility, protection, and pricing before choosing an aftermarket service contract. Smart RV Finance provides guidance to help customers understand their options and next steps.

01 Gather your purchase details

Prepare the type, year, make, and model of your RV or boat, along with existing warranty information.

02 Contact Smart RV Finance online

Select “Aftermarket Service Contracts” on the contact form and explain what you want to explore.

03 Review available options

Check covered repairs, exclusions, deductibles, coverage limits, and claims requirements.

04 Confirm the cost and coverage dates

Review payment arrangements, the effective date, and any waiting period before deciding to proceed.

How much do aftermarket service contracts cost?

Aftermarket service contract pricing varies by the recreational purchase and selected plan. Contact Smart RV Finance for current pricing on eligible options rather than relying on a general estimate.

Factor	What to compare
Vehicle or vessel type	Options suited to your specific RV, boat, or marine purchase
Age and condition	Eligibility requirements for the unit you want to protect
Coverage scope	Included repairs, covered components, and payment limits
Contract duration	Length of protection and applicable usage limits
Deductible	Your share of the expense for a covered claim

Ask for the full contract price and any additional charges. If financing is offered and selected, compare the total amount paid, including interest and fees. Budget separately for maintenance and uncovered repairs.

Why choose Smart RV Finance for aftermarket service contracts?

Smart RV Finance brings recreational financing knowledge, practical guidance, and online convenience to the service contract conversation.

A focus on recreational purchases

Support is built around RVs, boats, and related service contract options.

Education before commitment

Customers can understand key requirements and next steps before making a decision.

Convenient online access

Start a request whenever it fits your schedule.

Financing and protection guidance

Explore how service contract options may fit into your overall purchase.

Smart RV Finance helps make the planning process more organized, so you can approach your next adventure with useful information.

Frequently Asked Questions

Is an aftermarket service contract the same as a manufacturer’s warranty?

An aftermarket service contract is purchased separately, while a manufacturer’s warranty may already be included with your RV or boat. Compare the covered components and coverage dates to understand where additional protection may help and where benefits overlap.

Can a used RV or boat qualify for an aftermarket service contract?

A used RV or boat may qualify if it meets the selected plan’s requirements. Ask Smart RV Finance about options for your specific unit. Its age, condition, and usage details may be needed to evaluate eligibility.

Does an aftermarket service contract cover routine maintenance?

Routine maintenance is covered only if the selected agreement specifically includes it. Review the terms for scheduled servicing, wear, existing problems, and maintenance obligations. Keep any service records required by the contract.

Where can you take an RV or boat for a covered repair?

Repair facility requirements depend on the aftermarket service contract. Before authorizing work, confirm which facilities qualify and whether the contract administrator must approve the repair. Also check how payment or reimbursement is handled.

Can you cancel or transfer an aftermarket service contract?

Cancellation and transfer options depend on the written agreement. Before purchasing, review any cancellation deadline, refund calculation, transfer requirements, and applicable fees, especially if you may sell your RV or boat during the coverage period.

How can you get started with Smart RV Finance?

Contact Smart RV Finance online and select “Aftermarket Service Contracts” to explore protection for an eligible recreational purchase. Share details about your RV or boat and any questions about coverage, pricing, or eligibility.

Explore Protection Beyond the Purchase

Smart RV Finance helps you explore aftermarket service contracts for eligible RVs and boats. Understand your protection options, review coverage terms and costs, and take the next step toward preparing for adventures on the road or water.

Start Aftermarket Service Contract