There are basically three possibilities for financing recreational vehicles:

1. If you buy a new RV, the manufacturer may offer financing
2. RV dealers typically offer financing for the new and used rigs they sell
3. You can get financing from an online lender, bank, or credit union, like Affinity

If you finance through the manufacturer, you may have to forego other discounts or rebates. Dealer financing tends to be marked up because that is a profit center for them. You may be able to get a lower rate and better terms if you get financing on your own – and because credit unions (like Affinity) are owned by their members, they may be easier to work with than other lenders.