RV Loans in North Carolina Starting at $35,000.00 with Refinancing Options Starting at $75,000.00 and up
Credit Scores 690 or Higher Are Required

RV Loans in North Carolina - New & Used

As a national lender with over 30 years experience, the team Chesapeake Financial are not only RV loan experts, we’re RV enthusiasts. We make RV adventures on the open road possible every day in North Carolina. Our business is built upon treating each customer with respect and helping them achieve financing for the RV of their dreams. 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.

Ready to begin?

Apply Online or Give Us a Call and Receive a Response in 24 hours!
Financing Options to Fit Your Lifestyle

Flexible RV Loan Financing in North Carolina

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 2017 models and up with appropriate credit scores and proper valuations)
  • Flexible proof-of-income requirements
5th wheel Financing

An RV loan is possible for those seeking RV financing in North Carolina. 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 2006. Credit scores 740 or higher are required for RVs older than 10 years or older.

We Can't Finance a Boat Loan if You've Had Any of the Following Events

  • Late Child Support Payments
  • Bankruptcies
  • Foreclosures
  • Credit Score Below 690
  • Forebearances
  • Late Car Payments
  • Late Mortgage Payments
  • Full Timers
Financing for campers
Down Payments You Can Afford

New and Used RV Loans in North Carolina 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 North Carolina. 

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 North Carolina 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.

Our New and Used RV Loans begin at $35,000 and go as high as $2-Million.  We do not finance RVs older than 2007 unless they are diesel models only.  Those loans start at $50,000 & up for qualified buyers with loan values established at the low NADA wholesale guide.

Minimum down payments options:

  • 10% on RV loans up to $99,999 (we can even arrange 100% financing up to $49,505.00 on 2017 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 under $100K and up to $149,999 on RVs 2017 and newer.
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. 

Documents You'll Need

RVs older than 2016 and are over $100,000 normally require full documentation including two years tax returns and a personal financial statement. With proper scores, we can offer loans on 2017 models and newer up to $149,999 with no or minimal documentation. On RVs older than 2016 and over $100,000 your personal financial statement will need enough liquid assets to cover the loan.

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 $75,000 with proper valuations. 

 

Documents You’ll Need

RVs older than 2016 and over $100,000 normally require full documentation including two years of tax returns and a personal financial statement. Exceptions may apply.

 

Your personal financial statement will need enough liquid assets to cover the loan. 

 

RV valuations are an important consideration prior to purchasing. Contact us for valuations especially for private sales. We won’t run your credit report until we know that the RV valuation is within the valuation of the sales price.

RV Travel in North Carolina

North Carolina is known as the ‘Old North State’. With a wide variety of natural landscapes, such as rugged mountains, the stunning Atlantic Ocean, and woodlands, it makes for a unique place to set up camp. Moreover, RVers love this state particularly for its wide range of tourist attractions, such as the Pisgah National Forest, the Smoky Mountains, and more.

RV on road

Camp Hatteras RV Resort & Campground

Located along the scenic Hatteras Island by North Carolina’s Outer Banks, this campground is both tent and RV-friendly. Stretching across 50 acres, this campground and resort is enveloped by both the Atlantic Ocean and the Pamlico Sound. As such, this popular area is home to many lighthouses, as well as the Pea Island National Wildlife Refuge and the Wright Brothers National Memorial. 

  • 400 sites with full hook-ups 
  • Three pools 
  • Jacuzzi 
  • Miniature golf 
  • Showers 
  • Pets allowed 
  • Cell reception 
  • Wi-Fi 

Raleigh Oaks RV Resort & Cottages

Located in Four Oaks, Raleigh Oaks RV Resort & Cottages can be found in North Carolina’s eastern region. It’s only a short drive from the state’s capital city, Raleigh, and is full of great and interesting attractions like Pullen Park, Frankie’s Fun Park, Umstead State Park, and plenty of museums. Inside the campgrounds, you’ll find plenty of Amish handcrafted cottages, along with high-end amenities, as listed below: 

  • 102 RV sites with full hook-ups 
  • Both back-in and pull-through sites 
  • Showers 
  • Swimming pools 
  • Hot tub 
  • Miniature golf 

 

  • Billiard room 
  • Pets allowed 
  • Cell reception 
  • Wi-Fi 
  • Discounts for Military/Good Sam/AAA/CAA and AARP members
rv loans north carolina
rv at night

Waters Edge RV Park

Located in Newport, Waters Edge RV Park is just minutes away from Morehead City in the southeast part of the state, offering beautiful beaches. The whole campsite is surrounded by the Croatan National Forest, where parts of the park overlook the stunning Bogue Sound Intracoastal Waterway. You’ll also find that it offers access to the most beautiful beaches found in the state such as Emerald Isle, so it will come as no surprise that it’s one of the most popular and highly-rated parks in North Carolina. 

  • 86 sites with full hook-ups 
  • Both back-in and pull-through sites 
  • Showers 
  • Pets allowed 
  • Cell reception 
  • Wi-Fi 
  • Daily, weekly, and monthly rates are available 
Is Your RV Covered

RVs Covered Under Used RV Loans and New RV Loans

Chesapeake Financial can provide New RV loans in North Carolina on 2006 model years and newer. We consider older 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 are a National Lender based in Annapolis, MD. 

We Offer RV Loans For:
We Do Not Finance:

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!

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 boat 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.