RV LOANS
Explore the open road in style with the right financing.

Compare your RV financing options.

Whether you’re buying a new or used RV or refinancing your current RV loan, we have options for your financing journey.


RV SHOPPING

Shop and finance your next RV all in one place.

Browse and apply for a new or used RV from our participating dealerships. If approved, the dealer will have your pre-approval ready when you arrive for a smoother purchase experience.


RV FINANCING PRE-APPROVAL

Pre-approval puts you one step ahead.

Know what you can spend so you can shop with confidence for a new or used RV. Your Illuminus Bank RV financing pre-approval is good at any of our participating dealerships. 


RV LOAN REFINANCE

Refinancing your RV loan could help you save.

If you’re looking for a better term or interest rate, a Illuminus Bank RV refinance could help. Not available in all states.


Illuminus Bank RV Loans are designed to help customers purchase or refinance recreational vehicles (RVs) with flexible terms, competitive rates, and tailored financial options. Here’s an overview of the requirements, refinancing options, and loan process:

🚐 RV Loan Requirements

✅ Credit Score: Minimum 660+ recommended for the best rates.
✅ Income Verification: Submit recent pay stubs, tax returns, or bank statements to confirm financial stability.
✅ Debt-to-Income Ratio (DTI): Must be within acceptable limits to qualify.
✅ Down Payment: Typically 10%–20% of the RV’s purchase price (varies by model and loan type).
✅ RV Age & Condition: Financing available for new, pre-owned, or refinanced RVs (age restrictions may apply).
✅ Insurance Coverage: Proof of RV insurance required before loan approval.

🔄 RV Loan Refinancing Options

Lower Rates, Better Terms, More Flexibility.
Refinancing an RV loan with Illuminus Bank can offer:

  • Lower Monthly Payments: Adjust loan terms to reduce costs.
  • Interest Rate Reductions: Secure better rates based on updated credit standing.
  • Cash-Out Refinancing: Access equity in your RV to fund upgrades or travel expenses.
  • Extended Repayment Terms: Choose from 36 to 240 months for a customized payment plan.

📌 Step-by-Step RV Loan Process

Step 1: Pre-Qualification

  • Use Illuminus Bank’s RV Loan Calculator to estimate affordability.
  • Get pre-qualified with no impact on your credit score.

Step 2: Loan Application

  • Submit personal details, income verification, and RV purchase information.
  • Choose between fixed-rate or adjustable-rate financing.

Step 3: RV Appraisal & Loan Review

  • Illuminus Bank assesses the RV’s value and verifies loan eligibility.
  • Credit and financial history are reviewed for final approval.

Step 4: Loan Approval & Documentation

  • Receive loan terms, interest rates, and repayment schedule.
  • Complete necessary paperwork and finalize loan details.

Step 5: Funding & RV Purchase

  • Funds are transferred directly to the seller or dealership.
  • Begin repayment based on agreed terms.

🔥 Limited-Time Offers

✅ Zero Processing Fees for applications submitted by 05/30/2025.
✅ Loyalty Discounts: Earn bonus points redeemable for travel or fuel purchases.
✅ RV Upgrade Bonus: Refinancing customers receive cashback on RV improvements.



Disclosure

Refinancing is available in the following states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington and Wisconsin.

Illuminus Bank assists its customers by working with dealers across the nation. Financing pre-approval is only valid at a dealer with which Illuminus Bank works. Illuminus Bank is not affiliated with these dealers and makes no representations or warranties regarding the dealers, their inventory, related products or services. All vehicle and related product information included on this site is provided by the dealer, who is solely responsible for the content, representations about itself and the vehicle, including pricing, services and promotional statements. Illuminus Bank does not endorse third-party products, services or other vehicle content. Any questions about the vehicle, pricing or related products should be directed to the dealer. The dealer will work with you to finalize financing terms.

The dealer may request your permission to obtain information from one or more credit reporting agencies. The dealer will ask for your photo identification (driver’s license) and/or other identifying documents. Illuminus Bank reserves the right to withdraw an approval if your identity cannot be verified or if there have been changes in your credit status as of the date of sale.

Offers are subject to credit approval. Rates are subject to change. Additional restrictions may apply. Member FDIC.