Zero Down Payment RV Loans

Keep Your Cash in the Bank.

One of the most common questions we get is, "Do I need a massive down payment to buy an RV?" The answer is often No.

While a down payment can lower your monthly obligation, many of our customers prefer to keep their savings liquid for travel expenses, campground fees, and emergency funds. At Leisure Days RV Group, we work with top-tier lenders who offer 100% Financing (Zero Down) programs for qualified buyers.

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Retail Consumer Credit Application

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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 *

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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

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Who Qualifies for Zero Down?

"No Money Down" loans are generally reserved for buyers with strong credit profiles. While every lender is different, typical requirements include:

Credit Score: A score of 700+ is usually the benchmark for 100% financing.
Income Stability: Proof of steady employment or income sufficient to cover the payments.
Clean History: No recent bankruptcies or repossessions.

The Benefits

Liquidity: You don't have to drain your savings account or liquidate investments to start your adventure.
One Payment: You can often bundle sales tax and registration fees into the loan, meaning you drive off the lot with literally $0 out of pocket.

The Trade-Off (Important)

It is important to understand that putting zero down means your monthly payment will be slightly higher than if you put 10% or 20% down. Additionally, because you start with no equity in the unit, you are more likely to be in a [Negative Equity] position if you decide to trade the unit in after only 1 or 2 years.

Gap Protection

If you finance 100% of your RV, we highly recommend adding Gap Protection to your loan. If your RV is stolen or totaled in an accident, standard insurance often only pays the "Market Value," which might be lower than your loan balance. Gap protection covers the difference so you aren't left paying for an RV you no longer have.

Do You Qualify?

You don't need to guess. Our Pre-Qualification tool can tell you if you are eligible for Zero Down financing without a hard credit check.

Get Pre-Approved Today.