At Recreational Loans, we collaborate with multiple banks to offer competitive rates that are often better than those available through your local bank or lenders that don’t specialize in recreational financing. To receive a ballpark rate or begin the application process, complete our online application during business hours to get an accurate quote and credit decision.

Traditional banks typically limit recreational financing terms to five years. At Recreational Loans, we offer flexible terms of up to 240 months (20 years), depending on your financing needs. All our loans feature fixed rates and are structured as simple interest loans for maximum transparency and predictability.

Our minimum credit score requirement is 575, which is much lower than the 720 or higher required by many other lenders. Recreational Loans evaluates applications on a case-by-case basis, taking into account factors like your location, the type of recreational unit, and the amount you need to borrow. While we can’t guarantee approval for everyone, we strive to find solutions that work within your budget. If your credit prevents approval, we provide a free credit consultation to help you understand the issues and steps you can take to improve.

We finance loans starting at $10,000, with maximum amounts going as high as $4,000,000. The exact amount depends on your financial profile and creditworthiness.

Our streamlined loan process ensures fast approvals during business hours (Monday–Friday, 8:30 AM to 5:00 PM). Once approved, it usually takes 3 to 5 business days to finalize the paperwork and deliver your check, depending on how quickly required documents are submitted.

Loan approvals are valid for 30 days, giving you ample time to review your options and make your decision.

In addition to completing the online loan application, you’ll need to provide the following:

A copy of the title (front and back)
Seller’s contact information (name, address, phone number)
Lien payoff details (if applicable)
A copy of your driver’s license
Proof of insurance coverage
Additional documents requested by Recreational Loans

Absolutely. We use advanced security measures, including 128-bit encryption and Cloudflare protection, to ensure your personal and financial information is safe throughout the online application process.

We’re proud of the relationships we’ve built with our customers. But don’t just take our word for it—visit our testimonials page to see what our satisfied customers have to say about their experience with Recreational Loans!