RV Financing for Pensioners & Retirees

Your Golden Years are for Exploring.

You have worked hard your whole life, and now you finally have the time to see the country. However, many retirees worry that being on a fixed income—whether it's CPP, OAS, or a private pension—will disqualify them from getting a loan for a new Motorhome or Fifth Wheel.

At Leisure Days RV Group, we know that retirees make up a huge portion of the RV community (especially Snowbirds!). We work with lenders who view pension income not as a liability, but as "Guaranteed Income." Unlike employment income, which can be lost due to layoffs, pension income is stable and reliable—qualities that banks love.

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Retail Consumer Credit Application

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RV interested in:

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Make

Model

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Primary Applicant Information

First Name *

Middle Name *

Last Name *

Date of Birth *

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Social Security # *

Driver's License # *

# of Dependents *

Primary Applicant Contact Details

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Address *

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Years at Current Address

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Years at Employer *

Employer Name *

Occupation *

Yearly Salary *

(ex $50,000)

Other Income *

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Employer Address Line 1 *

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Other Income

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Strategies for Fixed Income Budgets

1. The 240-Month Advantage

When you are on a fixed monthly budget, cash flow is everything. We can structure loans with terms up to 20 Years. This drastically reduces your required monthly payment, leaving you more disposable income for fuel, campgrounds, and enjoying your trip. Learn more about 240-Month Financing.

2. Protecting Your Estate

Many seniors worry about leaving debt behind for their children. We offer specialized Loan Protection (Life Insurance) that pays off the RV loan balance in the event of your passing. This ensures your estate inherits a paid-for asset, not a monthly bill. Check eligibility on our [Loan Protection] page.

3. Using Trade Equity

If you are downsizing from a house or trading in an older unit, using a larger down payment reduces the amount you need to finance. This lowers your "Debt Service Ratio," making approval easier even on a modest pension.

A Note for Snowbirds

If you plan to spend 6 months a year living in your RV down south, you are effectively a "Part-Time Full-Timer." We can help you navigate the financing requirements for long-term travel.

See What You Qualify For

Don't assume your age or income is a barrier. We help retirees get approved every single day.

Get Pre-Approved Today.