We offer financing options for: Class A, B, C Motorhomes, Class B and C Conversions, Super C’s, Toter homes, Overland/Adventure RVs (Earth Roamer, TouRig, Earth Cruiser), Bus Conversions (Prevost, MCI, Bluebird, Newall), 5th Wheels, Travel Trailers, Horse Trailers with living quarters, Horse Trailers without living quarters, Truck Campers and Pop-up trailers. We do not offer financing for: Full-timers, Park Models, Tiny Homes, or Rental Units.
The minimum loan amount considered for financing is $10,000. The maximum loan amount is $2,000,000. Call our office for credit requests greater than $2,000,000. Click here to view our RV Purchase rates and our RV Refinance rates.
We can finance standard RVs up to 15 model years old, 20 model years old for Diesel pushers.
We offer a variety of terms ranging from 6 – 20 years depending on the loan amount. Terms may be shorter based on collateral type, model year and mileage.
Yes, we offer a zero down loan program for up to $70,000
Typically, 10% to 20% is standard depending on the size of the transaction. Additional down payment maybe needed based on collateral type, model year and mileage.
Yes, we work with dealers and brokers across the U.S. Click here to view RV Purchase rates.
Yes, re-approval and rate is subject to change at time of loan closing.
Yes, for loans less than $150,000. Subject to lender's underwriting requirements.
Yes, for loan requests $150,000 or greater, a PFS is required. Subject to lender's underwriting requirements.
Yes, our minimum credit score is 600. Credit scores of less than 680 have a maximum loan amount of $50,000.
Yes, subject to lender's underwriting requirements.
Yes, we offer RV loans in 50 states (excluding 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. 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.
Yes, financing can be obtained for either a new or used purchase or refinance transaction.
Refinance rates may vary from that of purchase rates. Click here to view RV Purchase rates and RV Refinance rates.
Yes, we provide RV financing if you buy your RV from a private party seller. Click here to view RV Purchase rates.
Approval commitments are generally valid for 30 to 90 days (varies by lender) and rate commitments are typically for 30 days.
Yes, our minimum credit score is 600. Credit scores of less than 680 have a maximum loan amount of $50,000.
Yes, subject to lender's underwriting requirements.
Yes, we offer boat loans in 50 states (excluding Washington, DC).
No, we do not currently provide financing for Live-aboards (boat used as a primary dwelling)
Yes, we do have some options for non-US Citizens. 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.
Yes, financing can be obtained for either a new or used purchase or refinance transaction.
Refinance rates may vary from that of purchase rates. Click here to view boat Purchase rates and boat Refinance rates.
Yes, we provide boat financing if you buy your boat from a private party seller. Click here to view boat Purchase rates.
Approval commitments are generally valid for 30 to 90 days (varies by lender) and rate commitments are typically for 30 days.
Fill out and submit our secure online application or call 800-444-1476 to submit an application over the phone. Click here to apply online now.
Usually, a decision is made within 1-2 business days, subject to lender's underwriting requirements.
No, we do not charge an application fee.
Fill out and submit our secure online application or call 800-444-1476 to submit an application over the phone. Click here to apply online now.
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. Please call 800-444-1476 for more detailed information.
Yes, taxes, title, registration (official government fees) 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.
For a purchase transaction, you will be asked to provide:
For a refinance transaction, you will be asked to provide:
Additional documents may be required and will be communicated at time of loan decision.
A non-mechanical 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 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.
Yes, a loan processing fee and official fees will apply. Loan processing fee is due at time of loan closing. Please call 800-444-1476 for more detailed information.
Yes, taxes, title, registration, US Coast Guard Docum entation (official government fees) 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.
For a purchase transaction, you will be asked to provide:
For a refinance transaction, you will be asked to provide:
Additional documents may be required and will be communicated at time of loan approval.
A non-mechanical 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 or the seller to set a date and time to complete the inspection.
Typically a boat with a length of 26 feed or longer and/or loan amount of $100,000 or greater, subject to lender’s underwriting requirements. This will be communicated at time of loan approval.
Funding times are subject to various factors including state law requirements, and completion and delivery of boat survery and USCG documentation and abstract. Generally funding should occur within 7-12 business days from date of loan approval.
Most loans do not have a prepayment penalty, but if a prepayment penalty does apply, it will be communicated at the time of loan approval.
Yes, you may defer your first payment up to 45 days on purchase transactions.
Most loans do not have a prepayment penalty, but if a prepayment penalty does apply, it will be communicated at the time of loan approval.
Yes, you may defer your first payment up to 45 days on purchase transactions.
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.
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 cause penalties and additional fees to occur.
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.
Yes, your registration must be current to update it with the new lienholder information. If your registration is due within 30 days of completing your loan closing, please let our representative know.
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.
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 and refinance transactions, the borrower may be required to complete title and registration.
Taxes and official fees are remitted by the 3rd party 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.
For a qualifying RV, interest on the loan may be tax deductible. Consult your tax professional.
Yes, however rates and terms may vary, subject to lender's underwriting requirement. Additional documents may be required.
Yes, however rates and terms may vary, subject to lender's underwriting requirement. Additional documents may be required. Montana LLC must be set up by lender's approved attorneys. Check with your representative.
Boat of documentable size and/or loans over $100,000 typically require USCG documentation (some exceptions apply). This will be communicated at time 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 stickers and registration is 6 to 8 weeks after your loan funds; however, your experience may vary.
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 cause penalties and additional fees to occur.
Yes, your registration must be current to update it with the new lienholder information. If your registration is due within 30 days of completing your loan closing, please let our representative know.
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 and refinance transactions, the borrower may be required to complete title and registration.
Taxes and official fees are remitted by the 3rd party 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.
For a qualifying boat, interest on the loan may be tax deductible. Consult your tax professional.
Yes, however rates and terms may vary, subject to lender's underwriting requirement. Additional documents may be required.
Yes, subject to lender’s requirements.