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RV Financing in Kentucky Starting at $35,000.00

Proof of Income Is Not Required on Most Loans
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RV Financing in Kentucky - New & Used

As a national lender with over 30 years experience, the team Chesapeake Financial are not only RV financing experts, we’re RV enthusiasts. We make RV adventures on the open road possible every day in Kentucky. Our business is built upon helping customers get the RV they want and an RV loan that works for them. Want the RV of your dreams? Look no further than Chesapeake Financial for great RV financing in Kentucky. We work within your budget, protect your credit, and evaluate your income to best match you with an RV loan that fits your needs.

 

We treat our customers right and prove it everyday. When you contact us, you’ll be speaking with an expert in the field, not an automated system.

 

We’re the number one in RV loans nationwide and proud of it. We work to ensure that every possible option is considered before making a loan determination. 

Our fast process also ensures that you’ll receive a response within 24 hours. We’ll go farther to qualify you for an RV loan than a bank would ever think about doing. We have the expertise in the industry to secure financing for you and if we can’t get you a loan, we’ll let you know why.

No Proof of Income Loans

Are you a self-employed business person looking for a no-income verification RV loan? At Chesapeake Financial, we specialize in no proof of income loans to help you acquire the RV you want.

A no-doc loan means the borrower doesn’t have to provide the lender with standard proof-of-income documents such as tax returns, paychecks, or W2s. We may verify your income through earning statements, savings, assets, stock holdings, and more. Traditionally, self-employed no-income verification RV loans have larger down payment requirements and higher interest rates. 

 

Over the last 32 years in business, we have become accustomed to the trials of the self-employed not having proof of income documentation. Well now we have the answer. If you do not have sufficient ability to prove your income but still maintain a high credit rating, we have more than one way of obtaining up to $199,999.00 even if you can’t. We can also overcome the lack of personal liquidity up to $299,999. That means that even if you can prove your income but lack the large savings or investment accounts that most lenders require, we can help there as well. Please feel free to give us a call to discuss these options.

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Financing Options to Fit Your Lifestyle

Flexible RV Financing in Kentucky

Benefits of selecting Chesapeake Financial as your National Lender for New RV loans

 

At Chesapeake Financial, you can receive RV financing, even if you are:

  • Self Employed
  • If you have trouble proving your income, we may just have the solution for you
  • Do you have budget concerns or other worries, let’s give it a shot

We also offer the following benefits:

  • Loans start at $35,000 after down payment
  • Great rates & terms
  • Easy & secure application process
  • Easy prequalification with our simple 5 question phone call
  • 100% financing available (for loans under $49,999 on 2018 models and up with appropriate credit scores and proper valuations)
  • Flexible proof-of-income requirements
5th wheel RV Financing

An RV loan is possible for those seeking RV financing in Kentucky. Our experienced crew has worked with various incomes, employment statuses, and more. Chesapeake Financial is equipped to help almost anyone achieve the RV ownership they’ve been dreaming of.

When you’re ready to begin, apply for an RV loan on our website. We are also available to assist you with RV loans over the phone, and we will return your call on the same day if you happen to catch us out of the office. All you have to do is leave a voicemail. We’ll call you back the same day you call us.

With a promised response in 24-hours or less and sometimes even an instant approval, all you need is a high credit score and you’re off to the races. What are you waiting for? Your RV loan is waiting for you, and we want to help you get it.

We do not finance RVs that are older than 2009. Credit scores 740 or higher are required for RVs older than 10 years or older.

We Can't Finance an RV Loan if You've Had Any of the Following Events

  • Late Child Support Payments
  • Bankruptcies
  • Foreclosures
  • Credit Score Below 740
  • Forebearances
  • Late Car Payments
  • Late Mortgage Payments
  • Full Timers
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RV Financing for campers
Down Payments You Can Afford

New and Used RV Loans in Kentucky for Broker, Dealer, & Private Sales

Whether this is your first RV purchase or you’ve been traveling on the open road for a while, Chesapeake Financial can secure funding for your RV purchase. We offer the best loan rates, terms, and exceptional customer service that you’ll be hard-pressed to find anywhere else in Kentucky. 

The RV loan application process is simple. We protect your credit file and evaluate your income to secure you the best RV loan possible to fit your budget. Our process ensures a seamless transition from application to funding for your next RV. We even counsel you through the Kentucky titling process. If you have any questions at any time, we’re only a phone call away. Check out our loan information below and give us a call to get the process started.

New and used RV loans begin at $35,000 and go as high as $2 Million. We do not finance RVs that are older than 15 years of age. Interest rates vary by credit scores, age of RV, and equity positions. The wholesale value must be $50,000 or higher on used RVs 10 years old or older and it is extremely difficult to finance RVs that are older than 15 years of age.  Please refer to the RV Loans page for what we can and cannot finance and the required down payments section for the size of the down payments needed to proceed.

Minimum down payments options:

  • 10% on RV loans up to $99,999 (we can even arrange 100% financing up to $49,505.00 on 2018 model years or newer with appropriate credit scores and high enough valuations)
  • 15% on RV loans over $100,000
  • 20% on RV loans over $500,000
  • No income verification required on loans up to $199,999
we look at your needs

RV Loan Interest Rates that Work for You

The interest rate on an RV loan is based on the age of the vehicle, the total amount financed, your credit score, and vehicle valuation. We work with you to find the best rate possible for your situation. 

RVs older than 2018 and are over $150,000 normally require full documentation including two years tax returns and a personal financial statement. Exceptions may apply. With proper scores, we can offer loans on 2012 models and newer up to $199,999 with no or minimal documentation. 

RV Loans for Campers and 5th Wheels

Refinancing Your RV Loan

Do you need to refinance your RV? Now’s the perfect time! Whether you’re wanting a lower payment, a better interest rate, modifying your ownership, or simply looking to extend your term, you’ll find that refinancing your RV loan is a simple process with Chesapeake Financial. You’ll receive a fast response after submitting your application through our secure portal. If you have any RV refinancing questions, feel free to give us a call. We look forward to speaking with you soon.

Refinancing loan amounts start at $60,000 with proper valuations. 

Documents You’ll Need

Minimal documentation may be required.

RV Travel in Kentucky

Kentucky is widely referred to as the Bluegrass State because of its stunning natural scenery, with examples such as the Appalachian Mountains to the east and the Ohio River to the north. It’s also popular for amazing attractions and excellent activities that campers will enjoy, such as the Land Between the Lakes National Recreation Area, Mammoth Cave National Park, the Bourbon Trail, and more. As such, be sure to put this state on your RV road trip bucket list. 

RV on road

Cave Country RV Campground

Just five miles from Mammoth Cave, Cave Country is a modern, and big-rig-friendly campground that’s open all throughout the year and provides plenty of space for RVs. It also offers several amenities that will make you feel as though you never left home. Moreover, it is located close to 50 of the state’s most well-known attractions, which makes it one of the best areas for camping in Kentucky. Cave Country RV Campground offers great amenities, which includes: 

  • Sites with full hook-ups 
  • Restrooms with showers
  • Cell reception 
  • Wi-Fi and cable
  • 4,500 sq ft. dog park 
  • Tables and firepits 
  • Game and fitness room

Elkhorn Campground

Located in Frankfort, by the banks of Elkhorn Creek, this seasonal campground is open from April 1st to October 31st every year. You’ll find this facility has plenty to offer campers, including volleyball, basketball, and shuffleboard courts. Moreover, those who love water will enjoy their stay here, especially since you can catch your own dinner when fishing by the river. The quiet and pristine location is perhaps the biggest reward during your stay here — you can enjoy each night listening to crickets chirping and frogs croaking when you’re not outside on an adventure. 

  • Full hook-ups with electric, sewer, water, and cable
  • General store 
  • Laundry mat 
  • Pavillion for up to 200 people 
  • Fireplace 
  • Playground  
  • Fire ring 
  • Dump station
rv sitting in the sunset after being purchased with rv financing Kentucky

Whispering Hills RV Park

Located right at the heart of Georgetown, Whispering Hills RV Park is a well-known campground on I-75, which makes it easily accessible. It offers a huge site that can accommodate 230 RVs, as well as great entertainment and activities that everyone will enjoy. They also offer daily, weekly, and monthly rates as well as discounts if you have a membership at the Good Sam Club or FMCA. Here are some amenities they offer: 

  • 230 RV sites with full hook-ups 
  • Swimming pool 
  • Restrooms with showers
  • Cell Reception 
  • Wi-Fi 
Is Your RV Covered?

RVs Covered Under Used RV Loans and New RV Loans

Chesapeake Financial can provide RV loans in Kentucky on 2009 model years and newer. We consider diesel model years on a case-by-case basis. The Used RV loans vary depending on the size of the loan, the age of the vehicle, and credit scores. We accommodate broker, dealer, and private sales for RV financing.

We Offer RV Loans For:
  • Motor Homes
  • 5th Wheels
  • Travel Trailers
  • Toy Haulers
  • Towable Campers
We Do Not Finance:
  • Vehicles Not Listed in the NADA Guide
  • Utility Trailers
  • Horse Trailers
  • Truck Campers
  • Park Models
  • Full Timers
  • Short-term Bridge Loans and RVs older than 2009

Why Work With Our Financing Team

Easy Online Application

Utilize our simple online application. This allows you to apply for an RV loan immediately with a response provided within 24 hours. 

Fast 24hr Response

Chesapeake Financial will provide you a timely response within 24 hours of your application. Give us a call or get started online so you can stop wondering and start buying. 

Flexible Financing

No matter what your financial background is we will work towards a positive solution. Get in touch today to see what your RV loan options are. 

Years of Experience

Trust a team with over four decades of experience. You want to feel confident moving ahead with your financing, and we will get you there with professional reliability. 

Ready to begin?

Apply Online or Give Us a Call and Receive a Response in 24 hours!
Apply Online
(877) 787-6764

FAQs

How fast can I be approved for an RV loan?

Always within 24 hours and as fast as instantly.

What are the interest rates?

Interest rates are based on your credit score and the value of the RV you’re purchasing. Call us for specifics regarding your situation.

Can I pay off my loan faster than the payment schedule?

Yes. No Prepayment penalties are ever assessed.

How many years are typical RV loans?

Depending on the age and the amount borrowed, as many as 20 years in term.

How do I qualify for an RV loan?

By having good credit and calling us for valuation.

Chesapeake Financial Services
National Lender based in Annapolis, MD
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