About Our Rates
You've asked, we've answered. These are the commonly asked questions that we have answered and are now published live and publicly so that you and the clients like yourself have access to our insights.
How does intoRV determine rates to advertise? At intoRV, we work with the best lenders in the industry to ensure the rates we offer are not just competitive - but the lowest available! Each week, we verify that at least two lenders can offer the published RV financing rates. We carefully study lender updates every Monday to determine if any adjustments need to be made. Visit our live rate chart, RV & boat rate chart.
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How do I know what tier I'm in? Many RV buyers ask: "What credit score do I need for the best RV loan rates?" While credit score is important, lenders also consider other factors like debt-to-income ratio, down payment, and loan amount. Tier 1 rates are typically available for borrowers with a credit score of 800+, but occasionally buyers with slightly lower scores may still qualify. Curious about RV or boat loan interest rates? Visit our live rate chart, RV & boat rate chart.
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What down payment is assumed for your posted RV or boat loan rates? Lenders all have different down payment requirements, however we've chosen to post rates assuming 10-20% down for all dollar ranges. Any dollar amount north of $200,000 is assumed at 15-20% down rather than 10% as that is the most common requested amount from our lenders. We do have lenders who will offer 10% down at these amounts, however the interest rate you may obtain in doing so will be fractionally higher than those putting more down.
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How can I reduce the RV or boat loan interest rate I'm approved for? Want a lower RV or boat loan interest rate? You can often decrease your rate by:​
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Increasing your down payment
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Reducing your loan term (for example, from 240 months to 180 months)
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Improving your credit score before applying
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Reducing your loan term by just a few years could save you as much as 0.25% on your interest rate!
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How does IntoRV find the best RV or boat loan option for me? At IntoRV, we combine personalized customer service with deep lender experience to match you with the best RV and boat financing options. We analyze rate breakdowns, lender valuations, and loan terms to present options that are clear, competitive, and easy to understand.
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How do I apply for an RV or boat loan? Applying is simple! Just fill out our secure online credit application and our team will get to work finding you the best financing options available!