Financing

We offer financing options for Overland pickup trucks and Expedition Truck Campers.
We do not offer financing for: Full-timers, Park Models, Tiny Homes, or Rental Units.

For FICO credit scores 600 and greater the minimum loan amount considered for financing is $10,000.
For FICO credit scores 600 to 699 the maximum loan amount is $100,000.
For FICO credit scores 700 and Greater the maximum loan amount is $250,000.
Maximum loan amount may be lower based on score, collateral type, and model year.

We offer a variety of terms ranging from 6 to 20 years but generally range from 10 to 15. Loan Terms depend on the loan amount.
• 20 years for loan amounts $50,000 and greater
• 15 years for loan amounts $25,000 and greater
• 6 – 10 years for loan amounts under $25,000
Terms may be shorter based on collateral type and model year.

APR is primarily determined by your FICO credit score, the loan amount, the loan to value, the size of down payment, the age of the RV, and the loan term length. Typically, a high FICO credit score, larger down payment, lower loan to value, newer RV, and a shorter term loan results in a lower APR.

Interest rate (APR), term, and Loan amount will determine the payment amount.
Use the loan calculator to approximate your monthly payment.

Yes, for well qualified applicants, we have a zero down loan program offering for up to $100,000

Typically, 10% to 20% is standard depending on the size of the transaction.
Additional down payment may be needed based on collateral type and model year.

Yes, re-approval and rate is subject to change at time of loan closing.

Yes, for loans less than $200,000. Subject to lender’s underwriting requirements.

Yes, for loan requests $200,000 or greater, a PFS is required. Subject to lender’s underwriting requirements.

Yes, our minimum FICO credit scores is 600 for purchase transactions FICO Credit scores less than 700 have a maximum loan amount of $100,000.

Yes, subject to lender’s underwriting requirements.

Yes, we offer RV loans in 50 states (excluding Alaska, Hawaii, Louisiana, West Virginia, Rhode Island, Washington DC.

No, we do not currently provide financing for Full-Timers (RV used as a primary dwelling)

Yes, we do have some options for non-US Citizens (permanent US residence required). Additional
documentation and restrictions may apply.

Yes, your initial loan approval can be considered as a pre-approval which allows you to change your
collateral at a later date. Approval commitments are generally valid for 30 to 90 days (varies by lender) and rate commitments are generally valid for 30 days.

Using your computer or mobile device, simply complete and submit your application for credit through our secure online application.

Usually, a decision is made within 1-2 business days, subject to lender’s underwriting requirements.

No, we do not charge an application fee.

Yes, a loan processing fee and official fees will apply. Loan processing fee is due at time of loan closing or may be included in your loan amount.

Yes, official government fees (taxes, title, registration, etc.) may be included in your loan amount (subject to lender approval). You may also choose to pay for all fees out of pocket. If paid out of pocket, payment must be received prior to loan funding.

If an RV inspection was completed, reimbursement of the Inspection cost is required.

For a purchase transaction, you will be asked to provide:
• Copy of your current driver’s license
• Copy of purchase agreement
• Copy of current title, MSO and/or registration (as applicable)
• Proof of down payment (if applicable)
• Proof of insurance
Additional documents may be required and will be communicated at time of loan decision.

You can submit documents through our online document upload portal.

Our team will communicate your document status throughout the loan closing process.

Our team will coordinate with all parties a delivery date of your loan documents and, upon receipt, review, sign and notarize loan documents and have them returned.

A non-mechanical / visual inspection may be required, subject to lender’s underwriting requirements. This will be communicated at time of loan approval.

Trident Funding will arrange for an independent 3rd party vendor to contact you and/or the seller to set a date and time to complete the inspection.

Funding times are subject to various factors including state law requirements. Generally funding should occur within 7-12 business days from date of loan approval.

Each state varies in length of time that it may take to process the title work. The standard time to receive your plates and registration is 6 to 8 weeks after your loan funds; however, your experience may vary.

States require title and registration be completed within 30 days of Generally, states allow up to 30 days from the date of purchase to complete the transfer of title and registration. Completion of title and registration beyond the state’s maximum number of days will result in penalties and additional fees.

Documents required to transfer ownership into your name vary from state to state and may also depend on the type of transaction. You will be provided with a checklist indicating what title documents are needed when you receive your loan package. It is very important to deliver all the documents requested within 5 BUSINESS DAYS of your loan funding. Delays in obtaining the requested documents may prolong transfer in ownership and may result in State penalties and additional fees.

Yes, plates can be transferred to your new unit if it is the same type of RV. For example, a travel trailer plate cannot be transferred to a motorhome. Remember to inform our representative of your plans prior to your loan closing.

You can submit documents through our online document upload portal.

A VIN (Vehicle Identification Number) verification is a requirement in which a licensed automobile dealer, police officer or other government official verifies that a unit’s vehicle identification number matches the unit’s paperwork. A VIN verification is required in some states for an RV that has never been titled or registered in that state. Your representative will let you know if this will be required for your loan.

An Electronic Lien and Title (ELT) provides a paperless vehicle title. An ELT must be converted into a paper title prior to the transfer of title to new registered owners and/or a lienholder.

In most cases, it is necessary for us to use an independent 3rd party vendor to complete the titling and registration. Where required by law, for Dealer purchase transactions, the dealer is responsible for completing title and registration. In certain purchase transactions, the borrower may be required to complete title and registration.

Taxes and official fees are remitted by our 3rd party titling vendor, dealer or borrower. This will be communicated at time of loan closing.

Yes, the title is needed to secure the lender’s lien and update your registration with the new lienholder’s information.