RV & Motorhome Refinancing

RV & motorhome

We search nationwide for the best RV refinancing programs.


We search nationwide for the best RV loan rates and terms for you. Even if you have past credit problems.


Sign and submit your documents right from your smart phone and we can have your application funded in as little as 48 hours!


With our hands on approach and pre-qualification process, we reduce the number of inquires from lenders by only sending you to lenders that match your needs.

You dreamed of the RV lifestyle for years before finally taking the plunge. You’ve enjoyed lots of time on the road, making memories and seeing the sights. But now, you might be wondering whether you’re paying too much in interest or how you could get a better monthly payment. The good news is, there is a way to make this happen. It’s called refinancing, and it may be the right decision to help improve your financial situation and continue enjoying the freedom of RV living.

At My Financing USA, we offer RV and motorhome refinancing services throughout the contiguous United States. Contact us today to learn more and get started with refinancing your RV or motorhome!

How to Refinance an RV

Refinancing your RV may seem like a straightforward process — secure a new loan and pay off your old one. However, there’s much more to consider than going out and getting a new loan. 

First, there's the timeline to think of. How soon can you refinance an RV loan? The answer will depend on your lender. With lending, in general, you typically need to have been under the loan agreement for 12 months to a year before refinancing becomes an option. However, when to refinance a loan has more to do with your circumstances, current interest rates and your plans.

If you’re considering refinancing your RV loan, take steps to set yourself up for financial success with your RV. How to refinance an RV or motor home:

-Determine the New Loan Amount
-Fill out a Loan Application

Get Help Refinancing Your RV Loan With My Financing USA

Are you searching for the best company to refinance your RV loan? You'll want to choose a lender who shares your dream of RV ownership. Specialized recreational vehicle lenders provide flexible options to fit your adventurous lifestyle, regardless of your credit rating. For the best RV loan refinance provider, choose My Financing USA. 

At My Financing USA, we help RV owners update their existing loans with financing options that better suit their needs and circumstances. Learn more about our RV loan and financing solutions and how we can accommodate your way of life. Apply for an RV loan today or contact us about our refinancing services. 

Our Process Is Easy


Apply Online

Use our DigiCert Secured website to submit your information.


We Find Your Match

We verify your information and match you with the right nationwide RV Refinance program.


Sign & Drive!

Sign your closing docs right from your phone then pick up your RV with a check in hand.

Our Customers Love Us

We love our customers...

Because customers like you keep referring friends and family, we keep growing!


Years In Business

$12 Billion

In Applications



Our RV Refinance Programs By State

(Refinancing not offered in Alaska or Hawaii)

Residents of DE, IN, KY, MD, MI, OH, VA & WV

  • Must Be Above $10K
  • Rates start at 7.99%
  • 670 Minimum Score
  • No Bankruptcies
  • No Recent Late Payments
  • Debt Ratio Under 45%
  • Recreational Use Only
  • No Full Timers

Residents of All Other States in the USA

  • Must Be Above $75K
  • Rates start at 7.89%
  • 700 Minimum Score
  • No Bankruptcies
  • No Recent Late Payments
  • Debt Ratio Under 45%
  • Recreational Use Only
  • No Full Timers

A Company You Can Trust

RV Industry Association Logo

RV Industry Association

We are a contributing and accredited member of the RVIA.

RV Dealers Association Logo

RV Dealer Association

We are a contributing and accredited member of the RVDA.

5 Star TrustPilot Rating

5 Star Rated On Trustpilot

We are the highest rated RV & boat lender in the USA.

Better Business Bureau Logo

Better Business Bureau

We have the highest possible rating from the Better Business Bureau.

Additional Readings:

Benefits of Refinancing Your RV or Motorhome

Benefits of Refinancing Your RV or Motorhome

You bought an RV in the hopes of vacationing on the road and always having a comfy place to stay wherever your trip takes you. To afford the purchase, you might have taken out a loan. Learn about the refinancing process, its benefits and decide if it's right for you.

Read More
How to Refinance Your RV or Motor Home

How to Refinance Your RV or Motor Home

Our guide to refinancing your RV loan will help you determine the best RV loan refinance strategy and how to refinance an RV loan. We’ll walk you through the most crucial steps involved in refinancing and help you avoid some typical mistakes people make when refinancing their RVs.

Read More
RV driving on a road beside a lake

Guide to Financing an RV

At My Financing USA, we can help make your dreams of RV ownership come true. We can provide financing options to fit your needs, regardless of your credit score. This guide covers how to finance an RV purchase and answers frequently asked questions about the process of securing an RV loan.

Read More