Zero Down RV Financing: Keep Your Cash, Start Your Adventure

Why wait years to save up a deposit when you could be camping this weekend? At RV Canada, we specialize in Zero Down RV Financing. For qualified buyers, we can finance 100% of the purchase price—including taxes, licensing, and accessories—meaning you can hitch up your new Jayco, Forest River, or Keystone RV without paying a single dollar upfront. Keep your savings in the bank for your travels and let our "No Money Down" programs get you on the road immediately.

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How Does $0 Down Financing Work?

It is exactly what it sounds like. Instead of requiring the traditional 10% or 20% down payment, our lending partners finance the entire cost of the RV.

No Upfront Cost: You sign the papers and take the keys. Your first payment isn't usually due for 2 weeks or a month.
Include the Extras: In many cases, we can even roll the cost of a hitch, extended warranty, or camping accessories into the loan, so you truly pay nothing out of pocket on delivery day.

Who Qualifies for No Money Down?

While we love to offer this to everyone, "Zero Down" approvals are typically reserved for buyers with good to excellent credit. Lenders view a $0 down loan as higher risk (since you have no equity in the deal yet), so they look for:

Strong Credit Score: Usually 680+.
Stable Income: Proof of steady employment.
Debt-Service Ratio: Confirmation that you can comfortably afford the monthly payment without a deposit lowering it.

Note: If your credit is rebuilding, a small down payment is usually required to secure approval.

The Pros and Cons of Zero Down

Is this strategy right for you?

The Benefit: Liquidity. You keep your $5,000 or $10,000 in your savings account for emergencies, fuel, or campground fees.
The Trade-Off: Higher Payments. Because you are borrowing the full amount, your bi-weekly or monthly payments will be slightly higher than if you had put cash down. You also start with no equity in the trailer.

Zero Down on Used RVs?

Yes! While "Zero Down" is most common on new inventory (because banks know exactly what a new unit is worth), we can often secure no-money-down loans for late-model used RVs (typically units under 5-7 years old). If you are looking at an older used unit, a small deposit might be needed to cover the difference between the "Book Value" and the selling price.

What Brands Can I Buy With $0 Down?

Our Zero Down program applies to our entire new inventory lineup:

Travel Trailers: Jayco Jay Flight, Forest River Wildwood, Rockwood Mini Lite.
Fifth Wheels: Keystone Cougar, Jayco Eagle.
Motorhomes: Winnebago Class B and C models.

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