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Old 01-21-2017, 04:34 AM   #1
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Used motorhome financing how old

Typically how old a motorhome will most banks finance a Class A?
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Old 01-21-2017, 06:11 AM   #2
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I financed a 2000, Gulfstream Class C, 2 1/2 years ago.
It was thru M&T bank and they gave me a 12 year term.
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Old 01-21-2017, 06:15 AM   #3
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I believe it differs by bank, though I expect you could find at least one that will handle RVs 10 years old (or more). Dealers I'm talking to also recommend Vystar Credit Union as a good place for an RV loan.
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Old 01-21-2017, 07:25 AM   #4
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Some only do up to five years old, but you should have no difficulty getting a 10 YO rig financed somewhere. Beyond age 10, you are going to have to really hunt for a lender.
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Old 01-21-2017, 08:39 AM   #5
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When we bought our last RV, we went with a home equity loan instead of a vehicle loan. It was much easier to organise, wasn't dependent on the age of the RV and was a longer loan period. It had the additional advantage of not having to be paid off immediately when we sold the rig 4 years later.
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Old 01-21-2017, 11:26 AM   #6
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I financed mine through my local bank it was just under 15 years old. Biggest issue was coming up with a NADA value for the amount financed that equaled the asking price. Mine is financed over a relatively short term though, 48 months.
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Old 01-21-2017, 02:18 PM   #7
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Most banks and credit unios have different standards; if you hit a road block consider online RV finance specialists, like Good Sams etc.

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Old 01-22-2017, 04:43 AM   #8
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Thanks guys, I had not thought of a home equity loan. That may be the ticket.
I'm not sure but I think Good Sam's don't finance over 10 yo.
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Old 01-22-2017, 10:59 PM   #9
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I financed a 1998 HR Endeavor through USAA in October. Easy process. 10 year term which I will pay off hopefully in 3.
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