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Summer is here, and that means vacations, camping, and of course, road trips. But before hitting the road or going on a camping adventure, you might want an RV. And before you can set foot in your own RV, you will likely need financing.

The Simple Answer To Get RV Financing? If you can. The Recreational Vehicle Industry Association has a comprehensive list of companies that offer RV financing.

Before deciding if an RV is right for you, do your research on your monthly payment and see if it is feasible for your income. RV Trader offers helpful online loan payment calculators.

Just enter the estimated loan amount, the interest rate, the amount of time you would have to pay, or the term, and the calculator will do the rest. The annual percentage rate (APR) on an RV loan will vary based on the loan's size and duration, among other factors. As with cars, you will pay a higher interest rate to finance an older RV than a newer one. Also, the lower your down payment, the higher your interest rate.

After running through the numbers and knowing what you can afford, you are ready to approach a financial institution to apply for a loan. Shop around to make sure you get a competitive rate.

You are probably familiar with financing a car or even a home, but you may not be aware of some options applicable to RV loans. Camping World offers some tips:

Select RVs may qualify for federal tax benefits based on the loan interest they pay, similar to how the IRS treats second home mortgages.
If you discuss interest rates and financing options with your bank or credit union before approaching a dealer and prequalifying for a loan, your sales manager may be willing to negotiate a better deal.

If you decide that an RV is the perfect addition to your lifestyle, let the nerds help you get around and make your summer trip a reality. Check out the credit union search tool, and to help you find the best liability insurance for your needs, we also have an online insurance platform for you.