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.

Motorhome Financing

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Motorhome Financing for the Road Ahead

Smart RV Finance offers motorhome financing for eligible Class A, Class B, and Class C motorhomes, with a convenient online application, straightforward guidance, and financing support available 24/7.

Whether you are purchasing your first motorhome, upgrading to a larger RV, or shopping for a pre-owned model, we help make the financing process easier to understand from the start.

Motorhome Loan Options & Eligibility

Financing is available for eligible new and used motorhomes
Class A, Class B, and Class C motorhomes may qualify
Loan terms can vary based on the motorhome’s price, age, condition, and other lender requirements
Dealer purchases and qualifying private-party motorhome purchases may be eligible

financing New and Pre-Owned Motorhomes

New and used motorhomes can have different financing considerations. A newer Class A or Class C motorhome may qualify for different loan terms than an older pre-owned unit, while mileage, condition, purchase price, and overall value may also affect the financing options available.

Smart RV Finance helps you understand how the specific motorhome you are considering may influence the financing process before you move forward with your purchase.

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Choose Financing That Fits Your Motorhome

Motorhomes can represent a larger investment than many other types of recreational vehicles, which makes it important to look beyond the monthly payment alone.

Loan term, interest rate, down payment, total financing cost, and the age of the motorhome can all affect what you ultimately pay.

We take an education-first approach so you can better understand your motorhome financing options and make a more informed decision before completing your purchase.

How Motorhome Financing Works

Complete our online motorhome financing application — available 24/7
Provide information about the motorhome you plan to purchase or the type of motorhome you are considering
Review your available financing terms and continue toward completing your purchase

Ready to finance your next motorhome? Start your application online whenever it is convenient for you.

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Motorhome Financing FAQs

1. What types of motorhomes can I finance?

Smart RV Finance helps customers explore financing for eligible Class A, Class B, and Class C motorhomes. Financing may be available for both new and pre-owned units, depending on the motorhome and lender requirements.

2. Can I get financing for a used motorhome?

Yes. Eligible used motorhomes may be financed. The motorhome’s age, mileage, condition, value, purchase price, and other factors may be reviewed when determining available financing options.

3. What credit score do I need for a motorhome loan?

There is no single credit score that guarantees approval for every motorhome loan. Lenders may consider your credit history along with income, debt obligations, down payment, loan amount, and details about the motorhome you are purchasing.

4. How long can a motorhome loan term be?

Motorhome loan terms vary depending on factors such as the purchase price, loan amount, age of the motorhome, credit profile, and lender guidelines. Higher-value motorhomes may qualify for longer repayment terms than smaller recreational vehicle purchases.

5. Can I finance a motorhome purchased from a private seller?

Qualifying private-party motorhome purchases may be eligible for financing in addition to purchases made through an RV dealership. Private-party transactions can require additional information about the motorhome, seller, value, and title before financing is finalized.

6. Can I apply for motorhome financing before I choose a specific RV?

You may be able to begin the financing process while you are still shopping. Starting early can help you better understand your potential budget and financing options before selecting a specific Class A, Class B, or Class C motorhome.

Motorhome Financing Support Across the Midwest

Smart RV Finance provides online RV, motorhome, boat, and aftermarket service contract financing support to customers nationwide, with a focus on the following areas:

Key Service Areas

Detroit, MI
Chicago, IL
Cincinnati, OH
Cleveland-Akron, OH

Indianapolis, IN
Columbus, OH
Grand Rapids, MI

Don't see your city listed? Smart RV Finance offers online access 24/7 and supports customers throughout the United States.

Start Your Motorhome Financing Journey Today

Smart RV Finance makes it easier to begin the motorhome financing process online. Whether you are shopping for a new motorhome or a versatile camper van, our platform is designed to help you understand your options and get started.

Start Your Financing Application