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Why Finance Your RV?

When you finance your purchase instead of liquidating assets or paying cash, you maintain your personal financial flexibility. By not tapping into your financial assets to purchase the RV, you can take advantage of attractive new investment opportunities that might come along and the earnings from those investments can potentially exceed the cost of your RV financing. The bottom line is that if you are thinking of buying an RV, you should check financing options to maximize your purchase enjoyment.

Plus, your RV may qualify for some of the same tax benefits as a second home mortgage. Of course, check with your tax advisor, but basically to qualify for these benefits, such as the deductibility of interest on the loan, the RV must be used as security for the loan along with providing basic living accommodations such as a sleeping area, bathroom, and cooking facilities. Remember, the RV is considered a qualified second residence as long as you designate it for each tax year.

PPL Motor Homes – Your RV Financing Specialist

At PPL Motor Homes we make financing your next RV easy. Below are just a few of the reasons to choose PPL to help you with all of your RV financing needs:

  • PPL has several lenders that offer a wide variety of options to put you and your family in the perfect RV.
  • PPL’s business office staff has years of experience in structuring RV loans. This experience helps our customers receive the most desirable financing solutions.
  • Lower down payments! Although final terms are determined based on applicant’s credit profile, PPL’s business office works hard to get your down payment to fit into your budget.  Typical down payments usually range from 10% to 20%.
  • Lower monthly payments! Due to the fact that PPL works with many lenders our business office is able to get our customers lower payments that fit into almost any budget!  Finance terms are usually longer than a non-traditional RV lending institution.  In fact, some lenders have terms up to 12-15 years and sometimes longer.

Easy to Finance!

One reason RV financing lenders are making it easier to buy an RV is because the profile of those who buy RVs are that of a responsible borrower. The delinquency rate for RV loans is one of the lowest of any financing segment, and that is a very attractive risk if you are a lender. Consequently, what this means for RV enthusiasts is very flexible rates, terms, and payments; this helps meet even the most frugal enthusiast’s budget. Loans for New RVs range anywhere from 10-15 years.

What Can I Afford?

It is always important to have a budget in mind before you go shopping for your dream RV. Contact one of our RV financing experts to help determine what payment is best suited for your financial situation. We will help get you the best deal when you finance your RV so that you can purchase the RV of your dreams.

Is my RV Payment Tax Deductible?

Your RV may qualify for some of the same tax benefits as a second home or mortgage. Of course, check with your tax advisor, but basically to qualify for these benefits, such as the deductibility of interest on the loan, the RV must be used as security for the loan along with providing basic living accommodations such as sleeping area, bathroom and cooking facilities. Remember, the RV is considered a qualified second residence as long as you designate it for each tax year.