RVs and travel trailers get the longest amortization on the lot. Canadian RV lenders extend up to 240 months on qualifying units — a reflection of the higher ticket price and slower depreciation curve. Whether you're financing a fifth wheel, a Class C motorhome, a bumper-pull travel trailer, or a toy hauler, our finance team places these deals every week.
RVs are the highest-ticket collateral we finance and they hold value better than most recreational categories. Canadian RV lenders extend to 240 months on qualifying units to keep monthly payments realistic against household cash flow.
Yes. Units under 10 model years typically qualify for full-term financing. Older RVs may cap at 120–180 months depending on lender and unit condition.
Yes. Full comprehensive and collision coverage must be in force at delivery. If the RV is motorized, provincial vehicle insurance is also required.
Yes — dealer-installed hitches, generators, solar upgrades, and extended warranty can all be capitalized on the same bill of sale and amortized on the same term.
Seasonal use has no impact on approval or rate. Lenders underwrite against your ability to service the debt, not against how many months per year the unit is used.