RV Financing
From ~$530/month
20-year terms. 10% down. No prepayment penalty.
Payment Calculator
Estimate Your Payment
See what your monthly payment could look like. No credit check required.
Eligibility
Will I Qualify?
Here is what lenders typically look for. Most DM Vans buyers qualify.
Credit score 680+
For best rates
Established credit history
Shows repayment track record
Annual income ~$80-90k+
Household income
Previous comparable purchase helpful
Not required
Not sure? Apply anyway -- one application checks multiple lenders.
Process
How It Works
Apply Online
One application checks multiple lenders. Takes about 10 minutes.
Get Approved
Review your best rate and term options. No obligation.
Build Your Van
Lock in financing and start your build. We handle the rest.
Why RVIA Certification Matters
Every DM Van is RVIA-certified, which classifies it as a recreational vehicle. This single fact unlocks financing terms that non-certified van conversions simply cannot get.
20-Year Terms
Versus 5-7 years for a non-certified van conversion
Lower Payments
Longer terms mean dramatically lower monthly cost
RV Registration
Simple registration as a recreational vehicle
RV Insurance Rates
Specialized RV coverage, often less than auto
Real Resale Value
NADA book value means banks will finance resale too
Without RVIA
5-7 year auto loan
Higher payments, harder to insure
With RVIA (DM Vans)
Up to 20-year RV loan
Lower payments, RV insurance, NADA book value
No Prepayment Penalty
Pay it off in 5 years if you want. The 20-year term just keeps payments low.
This is the fact that closes the financing conversation for most buyers. The long term gives you flexibility; you are never locked in. Pay extra any month, make lump-sum payments, or refinance -- with zero penalty.
Quick Reference
Estimated Monthly Payments
LV3 Trailhead
~$530/mo
LV3 Backcountry
~$615/mo
LV5 Trailhead
~$580/mo
LV5 Backcountry
~$670/mo
LV7 Backcountry
~$690/mo
Based on 10% down, 20-year term, ~7% APR. Your rate may vary. Use the calculator above for a personalized estimate.
Financing FAQ
Can I finance a camper van for 20 years?
Yes. All DM Vans are RVIA certified, which qualifies them for RV financing with terms up to 20 years. This means significantly lower monthly payments compared to a standard 5-7 year auto loan.
What credit score do I need?
A 680+ credit score is recommended for the best rates. Lower scores may still qualify with higher interest rates or larger down payments. We work with multiple lenders to find your best option.
How much is a down payment?
Down payments as low as 10% are available for RVIA-certified camper vans. On an LV3 at $79,995, that is approximately $8,000 down. On an LV7 at $104,995, approximately $10,500 down.
Why does RVIA certification matter?
RVIA certification classifies your van as a recreational vehicle, unlocking RV loan programs with longer terms (up to 20 years), lower rates, and simpler registration and insurance. Without certification, you are limited to shorter auto loan terms of 5-7 years.
Is there a prepayment penalty?
No. You can pay off your RV loan early at any time with zero penalty. Many buyers choose the longer 20-year term for lower monthly payments while retaining the flexibility to pay it off sooner.
Ready to Apply?
Get pre-approved and know your budget before you build.