Refinance Your RV: Lower Payments, Better Rates, More Cash Flow

Is Your RV Payment Holding You Back? Interest rates change. Credit scores improve. Life happens. If you took out your RV loan 2, 3, or 5 years ago, you might be paying significantly more than you need to.

At RV Canada, we leverage the massive buying power of the Leisure Days RV Group to negotiate better terms for existing owners. Whether you bought your RV from us or another dealership, our Refinance Team can review your current loan and help you:

• Slash Your Monthly Payment: Extend your term or lower your rate to free up cash.

• Reduce Your Interest Rate: If your credit score has improved since you bought, you deserve a "Prime" rate.

• Skip a Payment: Many refinance packages allow you to defer your first payment for 30–60 days.

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3 Reasons to Refinance Your RV Now

1. Improve Your Monthly Cash Flow

The #1 reason our clients refinance is to lower their monthly obligation. By extending the remaining amortization of your loan, we can often drop your payment by $100, $200, or even $300 per month.

• Why it works: RVs can often be financed for up to 20 years. If your original loan was short (e.g., 10 years), switching to a longer term instantly reduces the required payment, giving you breathing room in your family budget.

2. Access Your Equity ("Cash-Out" Refinance)

Did you put a large down payment on your RV? Or has your RV held its value well? You might have "Trapped Equity." A Cash-Out Refinance allows you to refinance your RV for its current market value and take the difference in cash.

• Use the money for: Home renovations, paying off high-interest credit cards, or funding a dream trip.

• The Benefit: You get access to a large sum of cash at an RV interest rate (typically much lower than a credit card or unsecured personal loan).

3. Reward Your Better Credit Score

If you had "bruised" credit when you bought your RV, you likely accepted a higher interest rate (e.g., 12% - 18%). If you have made 12+ months of on-time payments, your credit score has likely improved! We can move you from a "Sub-Prime" loan to a "Prime" loan with a major bank (TD, Scotiabank, RBC), potentially cutting your interest rate in half.

Can I Refinance an RV I Bought Elsewhere?

Yes. We refinance loans from:

• Other dealerships.

• Private sellers.

• Standard bank loans. It doesn't matter where you bought it; it only matters that you want a better deal today.

How the Process Works

We make it painless. You don't even have to bring the RV to the dealership.

1. Submit a Request: Tell us about your current RV and loan balance.

2. Free Analysis: Our managers review your file against our network of 15+ lenders.

3. The Offer: We present you with the new terms (New Payment vs. Old Payment).

4. The Switch: If you like the savings, we pay off your old lender and set up the new loan.

Refinancing vs. Trading In

Not sure if you should keep your RV or trade it?

• Refinance: If you love your RV but hate the payment.

• Trade-In: If the RV no longer fits your lifestyle (too small/big) and you want a better payment. We can often get you into a New RV for a similar payment to what you are paying now by restructuring the loan.

Does Refinancing Hurt My Credit?

Checking your options with us is a Soft Inquiry in the initial stages. We only perform a full credit check once you decide to proceed with a specific offer. Refinancing is often a positive for your credit score in the long run because it lowers your "Debt-to-Income" ratio by reducing your required monthly payments.

Stop Overpaying for Your Loan. Find out if you are eligible for a lower rate or cash out in minutes.

Learn more about how to protect your RV and your budget on our Warranty & Protection Packages