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Fretz RV offers RV financing for both new RVs and used RVs. Our favorable RV financing terms make it very affordable for most people to own an RV. With low rates and terms out to 20 years, payments are typically much lower than customers expect. PLUS, the interest you pay on an RV loan is tax deductible as a second home mortgage. Check with your accountant or RV Finance Specialist for more details. Or, if you have any other questions, you can also contact us. 

Additional benefits of using a Fretz RV loan for your recreational vehicle:

  • NO pre-payment penalties
  • Simple Interest RV loans
  • The only collateral is the RV (protect your other assets including your home from the unexpected).
  • Instant Approval (qualified buyers)
  • RV Extended Warranties & other optional travel assistance programs

Fretz RV Lending Partners

Calculate the monthly payment for your RV with our online RV Loan Calculator !

Get the Facts About RV Financing

There's no better time to buy an RV! You've searched and researched and you've found the RV of your dreams! Whether it's new or used, the question now is how can you afford to make that dream a reality? The answer: by financing your purchase with terms that make it affordable for most every budget.

One-Stop Finance Shopping

Most dealers have already arranged on-the-spot RV financing through one or more major lenders and will work to make your purchase dream come true. Their in-depth knowledge will make the process go that much smoother.

Why Finance Your RV?

When you finance your purchase instead of liquidating assets or paying cash, you maintain your personal financial flexibility. Plus, your RV may qualify for some of the same tax benefits as a second home mortgage. Of course, check with your tax advisor, but basically to qualify for these benefits, such as the deductibility of interest on the loan, the RV must be used as security for the RV loan along with providing basic living accommodations such as a sleeping area, bathroom and cooking facilities. Remember, the RV is considered a qualified second residence as long as you designate it for each tax year.

What are the advantages of financing through a RV lending specialist?

Down payments are lower - Although final terms are determined based on your credit profile and the age, type and cost of the RV being purchased, financing through RV lenders usually requires down payments in the 10% range. Finance terms are longer / Monthly payments are lower - Because RV finance specialists know the industry, it's not uncommon to find 15-20 year repayment schedules to help you afford the RV of your dreams, resulting in manageable monthly payments.

The Last Word on RV Financing

Your RV might actually cost you less in the end if you finance your purchase. By not tapping your financial assets to purchase the RV, you can take advantage of attractive new investment opportunities that might come along and the earnings from those investments can potentially exceed the cost of your RV financing. The bottom line is that if you are thinking of buying an RV, you should check financing options to maximize your purchase enjoyment. You'll be on the road enjoying your new RV before you know it!
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Economic Stimulus Bill Includes Motorhome Sales Incentive

In news that marks a legislative victory for the RV industry, the conference committee final version of the $789 billion economic stimulus package includes a provision to specifically help the RV industry. RVIA, RVIA member companies, RVDA, and RV dealers, and state associations worked together to ensure that the RV industry received help from the economic stimulus package.

Motorhomes are included in a tax provision that allows a portion of the sales or excise tax paid on the purchase of a new motorhome to be deducted. The deduction is attributable to taxes applying to the first $49,500 of the purchase price. Individuals with an adjusted gross income of up to $125,000 and joint filers with an adjusted gross income of up to $250,000 are eligible for the deduction.

The inclusion in the legislation of a sales or excise tax deduction for motorhomes is a significant accomplishment for the RV industry, particularly since there were no RV sales incentives in either the House or Senate versions of the stimulus bill. Congress is expected to vote on the final version of the bill today, and an approved bill is expected to make it to President Obama's desk for signature into law as early as Monday, February 16.

RVIA said the RV industry is especially thankful to Senator Evan Bayh (D-IN), Congressman Joe Donnelly (D-IN), Senator Ron Wyden (D-OR), and Senator Chuck Grassley (R-IA) who, along with their staffs, have worked tirelessly over the past several weeks to ensure that the RV industry is included in the stimulus legislation.