Full-Time RV Financing

Living the Dream Shouldn't Be a Nightmare to Finance.

The "Van Life" and Full-Time RVing movements are exploding in popularity. However, many buyers are shocked when their personal bank denies their loan application the moment they mention they plan to live in the unit.

To a standard bank, an applicant with "No Fixed Address" is a high risk. They often view RVs strictly as "Recreational" vehicles, not residences.

At Leisure Days RV Group, we understand that your RV is your home. We have cultivated relationships with specific lenders who are friendly to the full-time lifestyle and understand the unique needs of modern nomads.

* Required Field

Retail Consumer Credit Application

Salesperson

Are you working with a salesperson? *

If yes, which one?

RV interested in:

New/Used

Year

Make

Model

Stock #

RV Type

Primary Applicant Information

First Name *

Middle Name *

Last Name *

Date of Birth *

(mm/dd/yyyy)

Social Security # *

Driver's License # *

# of Dependents *

Primary Applicant Contact Details

Email *

Contact Phone *

Work Phone

Cell Phone

Address *

City *

State *

Zip/Postal *

Years at Current Address

Do You Own or Rent?

Monthly Payment

Financing Details

How much are you looking to finance? (ex: $22,000 or unsure)

Primary Applicant Employment Information

Years at Employer *

Employer Name *

Occupation *

Yearly Salary *

(ex $50,000)

Other Income *

Employer Phone *

Employer Address Line 1 *

Address Line 2

City *

State *

Zip/Postal *

Country *

Add A Joint Applicant

Joint Applicant Contact Information

First Name

Middle Name

Last Name

Home Phone

Work Phone

Cell Phone

Relation to Applicant

Date of Birth

Social Security Number

Driver's License #

# of Dependents

Joint Applicant Residency Information

Do you own or rent?

Monthly Payment

Years at Address

Address Line 1

Address Line 2

City

State

Zip/Postal

Joint Applicant Employment Information

Years at Employer

Employer Name

Occupation

Yearly Salary

(ex $50,000)

Other Income

Employer Phone

Employer Address Line 1

Address Line 2

City

State

Zip/Postal

Country

Comments/Questions

By submitting this application, I/We certify that the submitted information is complete and accurate to the best of my/our knowledge. I/We understand and approve any inquiries regarding my/our credit record and employment history by the financial institution(s). I/We authorize the release of information about my/our credit experience.

It's ok to contact me about future discounts and events. (Easily unsubscribe at any time.)

Confirm Email

The Full-Timer Difference

1. "Primary Residence" Clauses

Most standard RV loan contracts have a clause stating the unit cannot be a primary residence. We work with lenders who waive this clause, ensuring your loan is valid and your insurance is enforceable.

2. Longer Terms for Lower Payments

When your RV is your house, monthly cash flow is king. We can structure loans with 240-Month Terms (20 years), making your "mortgage" payment significantly cheaper than renting an apartment.

3. Insurance & Protection

Full-timing puts more wear and tear on a rig than weekend camping. We help you secure Full-Timer's Insurance (similar to a home policy) and Extended Warranties that cover you even when you are thousands of kilometers from your selling dealer.

What Lenders Look For

To get approved as a full-timer, the criteria are slightly stricter:

Credit Score: Lenders generally look for a score of 700+ for full-time use.
Previous Homeownership: A history of paying a mortgage or stable rent helps.
Down Payment: Be prepared for a potential down payment of 10-20% to show commitment to the asset.

Self-Employed on the Road?

If you are working remotely while you travel, income verification can be tricky. Check out our Self-Employed Financing page to see how we handle non-traditional income.

Get the Right Approval

Don't risk having your loan recalled because you didn't disclose your living situation. Let us set it up correctly from day one.

Get Pre-Approved Today.