Finance Your RV with RCD RV

Why Finance With Your Local RCD RV Dealer

If you have your eye on an awesome RV but aren’t ready to pay full price, RCD RV offers flexible financing to help you get into the RV of your dreams sooner. Just fill out our credit application and we’ll get the process started for you so you can focus on finding the perfect RV for your adventures.

We proudly serve customers throughout the Columbus and Cleveland areas, with locations in Heath, Delaware, Pataskala, Medina and North Ridgeville, OH.



RV Financing Options

Pre-Qualification

Find out what you qualify for—without impacting your credit score.

Get Pre-Qualified

Credit Application

Submit your secure credit application online in minutes.

Start Application

Loan Calculator

Estimate monthly payments and explore loan terms.

Calculate Payment

Protect Your Investment

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Protective XtraRide®

Comprehensive motorhome & towable coverage with roadside assistance and concierge services. Protective’s XtraRide® service contract program provides customers protection against the cost of covered mechanical breakdowns and includes valuable additional benefits

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Tire & Wheel Coverage

Coverage is extended to the towing and the towed vehicle. The following items are covered if caused by a road hazard: Flat tire repair, tire replacement, wheels (rims) repair & replacement, mounting & balancing, valve stems, taxes**

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CoachNet Roadside Assistance

24/7 roadside help, tire & wheel assistance, and travel concierge services.

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GAP
GAP Coverage

Protection in the event of a total loss of your unit, covering the difference between market value and what you owe.

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Paint & Fabric Protection

Protects your RV's appearance including paint, leather, vinyl and carpet.

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Frequently Asked Questions

Yes! We help out-of-state buyers with titling, temporary tags, and registration. See our Out-of-State Buyers Guide below for details.
We work with a variety of lenders and credit profiles. Approval depends on income, credit history, and loan terms.
Yes — most protection plans can be purchased any time through our Finance & Insurance Department.
It is of strong opinion that it makes more sense to finance your RV purchase. If you finance the RV you can maintain your personal financial status without liquidating any assets. You can also take advantage of writing off the interest on your income taxes if the RV qualifies.
Not at all. We offer competitive financing options for both new and used RVs.
It's always smart to include additional protection when buying an RV. Good news is, you can finance any of our protection products, like Protective Service Contracts, GAP, CoachNet roadside assistance, Tire Shield tire coverage and Diamond Ceramic interior and exterior protection.

When applying for credit online, you will need to provide identification information, including your social security number and date of birth, residential information, including your address and whether you rent or own, and employment information, including your monthly income.

You must also state if you plan to file jointly with a spouse and provide similar information for the co-applicant.

When you partner with RCD RV to finance your next RV, we access our network of over 40 lenders to match you with the best option. We use your credit application and interview information to find the ideal lender.

We work with both national and local lenders to find you the best match. If you have a relationship with a credit union, we likely have a lender agreement set in place already and can facilitate your loan through them.

We work with select lenders that offer zero-down loan programs. They require specific credit criteria to qualify, which may include your credit score, the requested loan amount, and your ability to make payments.

In addition to zero-down, some programs offer the possibility of a deferred first payment.

Our goal at the dealership is to help you purchase your ideal RV. We take your information, match you with a lender, and work to find a payment that fits your budget. Our team looks at all factors that could influence your approval — including how much you can put down, potential trade-in value, and your preferred monthly payment — and uses that information to find an agreeable plan.
RCD RV will offer top dollar for your used RV. When you are ready to purchase a new RV, we will need to determine whether you own the RV or are making payments, what you still owe on the vehicle, and its trade-in value. We conduct a professional, no-cost, no-obligation trade appraisal of your RV on-site to determine its worth.
The term of the loan will be based on the dollar amount financed and the age of the RV. Some RV lenders are offering 20 year loans on new RV's with financed amounts over $100,000 and loans ranging from $25,000 to $99,000 can qualify for 15 year loans. Loan amounts between $10,000 and $25,000 may qualify for 10 to 12 years loan terms.
The short answer is yes. RV’s are basically considered a luxury item, so the criteria to finance an RV are more stringent than it is to finance an automobile. There are lenders that will finance below average credit but interest rates will be higher.
Yes, insurance is required when you close on the loan. The bank will not loan the money until they have proof of insurance.

Out-of-State Buyers Guide

Whether you’re registering your RV in Ohio or your home state, our finance team will help you complete all paperwork and meet your state’s DMV requirements.

If you register in Ohio: you need to present the certificate of title or memorandum title, proof of insurance, possibly inspection, valid Ohio ID, and pay registration fees. Check out our downloadable checklist. *May vary from state to state, contact your RCD location for more details.

Learn More at Ohio BMV

Download Step-by-Step Checklist