Used Motorhome & RV Financing Options


There is something quintessential about a road trip. The freedom of the open road and sights to see make it an adventure for everyone. However, for many, the size of their day-to-day vehicles does not suit their families or the space they require when going on vacation. For this reason, many choose a motorhome to make their journey more comfortable.  

Motorhomes offer travelers more space and the comforts of home while on the road. It doubles as a place of rest, which saves travelers money on lodging costs. However, obtaining a motorhome boils down to three choices: buy, rent, or finance. Each families’ needs will determine which option is best.  

For many families, renting a motorhome for their cross-country adventure suits their needs best as the vehicle may get only one use. Others may want the vehicle indefinitely to use at their disposal; thus, buying one is best. However, many who choose to buy cannot afford the total cost of the motorhome and need to select option three – used motorhome financing. 


motorhome loan rates


Various Used Financing Options

While many financial institutions can offer lending for motorhomes, many do not carry loans for used models. However, CUDL RV Financing with Kirkland RV has a network of credit unions at their disposal that allows customers financing options for used motorhomes.  

Credit Union Direct Lending or CUDL is a network of credit unions that support over 11,000 dealerships. Their demand for high-quality, secure, reliable, and affordable financing options means the dream of the open road in a new motorhome is not far away. 

How Used Motorhome/RV Financing Works

When you begin the financing process for your dream motorhome, a member of the CUDL RV financing team will discuss with you the details of the purchase. These details include the loan amount, down payment, and interest on the loan. Then, motorhome buyers fill out a loan application form to provide the personal information necessary for the lending institution.  

When that process is complete, our CUDL RV Kirkland RV representative will discuss the final terms and agreements of the loan, finalize the contract with the remaining signatures, then close the deal. This motorhome is now ready for its new life on the open road. Further, CUDL RV Kirkland RV handles any additional paperwork to conclude the agreement.  

Used Motorhome Financing Rates 

While loan rates vary between financial lending institutions, experts find that these rates are between 4% to 6%. Of course, these rates depend on several variables, such as length of the loan, down payment amount, and credit score. Here is a list of average loan rates. 


Loan Amount 2 – 5 years 5 – 7 years 7 – 10 years
$10,000 – $14,999 6.19% 6.79% 7.19%
$15,000 – $24,999 5.89% 6.29% 6.59%
$25,000 – $49,999 5.59% 5.69% 5.89%
$50,000 – $74,999 4.59$ 4.79% 4.99%
$75,000 – $99,999 4.59% 4.79% 4.99%
$100,000 – $149,999 4.59% 4.79% 4.99%
$150,000 – $249,999 4.59% 4.79% 4.99%
$250,000+ 4.59% 4.79% 4.99%

For more information on used motorhome financing, contact Kirkland RV Sales at (425) 318-7613 today!