Caravan AVM
RV Financing
Low down payments, competitive rates, and long terms — pre-qualify online in minutes with no impact to your credit, then have your RV delivered to your door.
Pre-qualify in minutes
Get your estimated rate and payment — no impact to your credit
Pick the RV you have your eye on — or a price range if you are still deciding — and see a live breakdown of your down payment, monthly payment, and term. Our secure pre-qualification runs a soft credit check only, so checking will never lower your score.
For RVs $5,000 and up you will see the 10% down and financing estimate; for units under $5,000 you will see the 12-month, 0% installment schedule automatically.
Delivery is the only extra cost
Door-to-door shipping is calculated from your ZIP code and added to your down payment. Beyond the RV price, it is the only additional cost — fully insured, straight to your driveway.
Choose your RV and plan below, and a financing expert will contact you with approval decisions in under 24 hours. For immediate help call 1 (888) 626-7576.
Financing made simple
Own the RV you want, on a payment that fits
At Caravan AVM, buying an RV online is designed to be straightforward. Reserve any RV priced $5,000 and up with just 10% down, then finance the balance through our nationwide lending network at rates as low as 8.99% APR with terms stretching up to 240 months.
Not sure where you stand? Pre-qualifying takes only a few minutes and uses a soft credit check, so there is no impact to your credit just to see your estimated rate and monthly payment.
And if you are shopping our budget-friendly units, RVs priced under $5,000 skip financing altogether — they ship on a 0% interest installment plan: 12 equal monthly payments with $0 down.
10%
Down payment site-wide
8.99%
APR, as low as
240
Months, up to
$0
Down under $5,000
How it works
From pre-qualified to parked in your driveway
Four simple steps take you from a quick online form to an RV delivered to your door — anywhere in the lower 48.
Pre-qualify online
Fill out the secure form below. It takes a couple of minutes and uses a soft credit pull, so there is no impact to your credit score.
See your terms
Get an estimated rate, monthly payment, and term. Rates start as low as 8.99% APR with terms up to 240 months on RVs priced $5,000 and up.
Pick your RV & down payment
Choose any unit from our 5,000+ inventory. Put just 10% down; your door-to-door delivery cost is added to that down payment based on your ZIP.
Sign & get it delivered
Finalize your paperwork online and we ship your RV fully insured, straight to your driveway anywhere in the lower 48.
Why finance with us
Built to make RV ownership affordable
10% down, site-wide
Reserve any RV over $5,000 with just 10% down. Your delivery cost is added to that down payment — and it is the only extra beyond the vehicle price.
Rates as low as 8.99% APR
Competitive RV financing through our nationwide lending network — priced to keep your monthly payment comfortable.
Terms up to 240 months
Stretch payments over as long as 20 years so a bigger fifth wheel or Class A stays within reach of your budget.
No impact to your credit
Pre-qualification uses a soft credit check. See your estimated terms in minutes without touching your credit score.
0% plan under $5,000
RVs priced under $5,000 skip financing entirely — pay in 12 equal monthly installments at 0% interest with $0 down.
Delivered to all 50 states
Get approved online and we ship your RV door-to-door, fully insured. No showroom visit, no dealer runaround.
Under $5,000
The 0% installment plan for budget-friendly RVs
Not every adventure needs a loan. RVs and campers priced under $5,000 are sold on a simple installment plan instead of traditional financing — so you skip the APR entirely.
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0% interest. No APR, no finance charges — you pay the price, split up.
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12 monthly payments. The balance is divided into twelve equal, predictable payments.
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$0 down. Get started with nothing down; just add delivery to your first payment.
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No credit worries. A straightforward plan designed to keep affordable RVs within reach.
Before you apply
What you need to pre-qualify
Have these handy to breeze through your application. Pre-qualification itself only needs your basic details — the rest comes into play when you finalize.
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A valid government-issued photo ID (driver’s license or state ID).
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Basic contact details — name, email, phone, and delivery ZIP code.
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Proof of income or employment (recent pay stub, bank statement, or similar).
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Your desired RV, or a price range if you are still browsing our inventory.
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Your delivery address so we can calculate door-to-door shipping to your door.
Financing FAQ
Your RV financing questions, answered
How does RV financing work at Caravan AVM?
For any RV priced at $5,000 or more, you put 10% down and finance the rest through our nationwide lending partners. Rates start as low as 8.99% APR and terms run up to 240 months. You can pre-qualify online in minutes with no impact to your credit, then lock in the exact unit you want.
What is the 0% installment plan for RVs under $5,000?
RVs and campers priced under $5,000 are not financed at all. Instead they are sold on a 0% interest installment plan: 12 equal monthly payments with $0 down. There is no interest and no traditional loan — just a simple, predictable payment schedule.
Will pre-qualifying hurt my credit score?
No. Our pre-qualification uses a soft credit inquiry, which does not affect your credit score. You only move to a hard inquiry if you choose to move forward and finalize a loan.
How much do I need for a down payment?
Just 10% of the vehicle price on any RV $5,000 and up. Your delivery cost — calculated from your ZIP code and distance — is added to that down payment, and it is the only additional cost beyond the price of the RV. Units under $5,000 require $0 down.
What credit score do I need to qualify?
We work with a broad network of lenders and buyers across a wide range of credit profiles. There is no single cutoff score. The fastest way to know where you stand is to pre-qualify below — it only takes a few minutes and will not affect your credit.
Are there any hidden fees beyond the RV price?
No. The only cost added on top of the vehicle price is door-to-door delivery, which is calculated per order based on your location and shown before you commit. It is added to your down payment so there are no surprises at the end.
Can I finance a used RV?
Yes. Both new and used RVs — travel trailers, fifth wheels, Class A/B/C motorhomes, toy haulers, pop-ups, and truck campers — qualify for financing when priced at $5,000 or more, and for the 0% installment plan when priced under $5,000.
How long does approval take?
Most buyers see estimated terms the moment they finish the pre-qualification form. Final approval typically follows quickly once you select your RV and submit your documents.
Ready to hit the road?
Pre-qualify in minutes with no impact to your credit, pick from 5,000+ RVs, and we will deliver yours door-to-door to any of the 50 states.
Questions? Call 1 (888) 626-7576 or email hello@caravanavm.com. Mon–Sat 9AM–7PM CT.
Financing is subject to credit approval and provided by third-party lending partners. Advertised rates and terms represent the lowest available and vary by applicant creditworthiness, term, and vehicle. RVs under $5,000 are sold on a 0% installment plan (12 monthly payments, $0 down), not financed. Delivery cost is calculated per order by location and added to your down payment. Contact us for full details.