Financing at IWS
RV financing doesn't have to be complicated. IWS makes it easy with personal support and great competitive rates.
Hassle-Free Financing for Your Next Adventure
We believe buying your dream motorcoach, toy hauler, or adventure vehicle should feel exciting, not overwhelming. Our goal is to make this process as easy as possible for you! From start to finish, an IWS finance professional will be right by your side to answer questions, explain options, and make the process smooth and enjoyable. That’s why we partner with a trusted group of lenders who understand and specialize in financing Rossmönster adventure vehicles, luxury Super C motorcoaches like Renegade and Newmar, and premium aluminum trailers. Our secure one-page credit application takes just minutes to complete online or in person, and most approvals come back in under 24 hours!
Today’s APR Rates
| Product Type | Loan Term | APR Range |
|---|---|---|
| Motorcoach & Toy Hauler | 15-20 Years | 6.99% - 7.99% |
| Adventure Vehicles | 15-20 Years | 6.99% - 7.99% |
| Car Hauler | 10-15 Years | 10.95% - 11.95% |
Financing available with approved credit. Annual Percentage Rate (APR) available to qualified buyers only and subject to credit approval, loan term, and down payment. Not all applicants will qualify. Rates, terms, and conditions are subject to change without notice. Additional restrictions may apply.
Financing That Fits You
Every buyer is different, so we tailor your motorcoach, toy hauler, or adventure vehicle financing to match your goals and comfort zone. With our low rates for qualified buyers and terms up to 20 years, we do the legwork to chase down the best possible rate and the lowest monthly payment for you.
From your first conversation to final approval, you’ll have a real team in your corner, shopping trusted lenders, walking you through every step, and tailoring a plan that makes sense for your budget. Our job is to make this easy, clear, and stress-free, so you can focus on the fun part, getting out there and enjoying the road ahead!
Know the Facts. Finance Smart
Motorcoach and toy hauler loans are more like mortgages than a car loan - because recreation vehicles cost more and are built for long-term use, financing often runs 15–20 years. And like a mortgage, lenders may request a bit more documentation, such as tax returns, personal financial statement or proof of residency to finalize your approval.
Out of state titling and registration made easy.
Are you an out of state customer? No problem, we got you! We handle your out-of-state taxes, title, licensing, and registration for your motorcoach, trailer or adventure vehicle, and roll it all into your financing, so it’s a smooth, low effort process with little to no work on your end.
Motorcoach and toy hauler lending with a Business Entity or LLC.
Yes, buying a motorcoach, toy hauler, or adventure vehicle with an approved LLC can be done. We partner with a trusted lender that specializes in Montana LLC financing. While we can’t finance motorcoaches, toy haulers or adventure vehicles through standard business loans, we can offer personal loan options or Montana LLC financing to fit your needs.
Out of state titling and registration made easy.
Are you an out of state customer? No problem, we got you! We handle your out-of-state taxes, title, licensing, and registration for your motorcoach, trailer or adventure vehicle, and roll it all into your financing, so it’s a smooth, low effort process with little to no work on your end.
Motorcoach and toy hauler lending with a Business Entity or LLC.
Yes, buying a motorcoach, toy hauler, or adventure vehicle with an approved LLC can be done. We partner with a trusted lender that specializes in Montana LLC financing. While we can’t finance motorcoaches, toy haulers or adventure vehicles through standard business loans, we can offer personal loan options or Montana LLC financing to fit your needs.
Build a Strong Foundation for Financing
Your credit and debt-to-income ratio matter a lot.
Rates are heavily tied to credit score, income stability, and how much existing debt you carry. Even a small score bump can mean a noticeably better rate over a longer term.
Large down payment helps approval and your rate.
A larger down payment can improve both approval and your rate. Our lenders require 10–20% down on motorcoaches, toy hauler and adventure vehicles over $150,000. Putting more money down lowers lender risk and your loan amount, helping you secure better terms and avoid owing more than the unit is worth early on.
Rates are heavily tied to credit score, income stability, and how much existing debt you carry. Even a small score bump can mean a noticeably better rate over a longer term.
Large down payment helps approval and your rate.
A larger down payment can improve both approval and your rate. Our lenders require 10–20% down on motorcoaches, toy hauler and adventure vehicles over $150,000. Putting more money down lowers lender risk and your loan amount, helping you secure better terms and avoid owing more than the unit is worth early on.
Why Many Owners Choose to Finance
Financing instead of paying cash can be a smart way to keep your options open while still getting the motorcoach, toy hauler, or adventure vehicle you really want. Many of our customers choose to finance so they can preserve cash for the fun (and practical) parts of ownership, upgrades, travel plans, events, and the unexpected things life throws at you. Financing also lets you spread out the cost over time, often with a comfortable monthly payment and competitive rates, rather than tying up a large amount of money all at once. And the best part? Our lending partners don’t charge early payoff fees, so if you ever want to pay extra or pay it off sooner, you’re free to do that without penalties. Our finance manager will walk you through the pros and cons based on your situation, answer every question along the way, and help you decide what feels right, no pressure, just honest guidance to support your next adventure.
Financing Made Simple for Car Haulers
Financing your next car hauler or stacker is simple at IWS. We partner with trusted, reliable lenders to offer financing up to $100,000, with flexible options tailored to you, whether you want to finance in your business name or through a personal loan, we can make it work. Because car hauler and stacker loans are a bit different than motorcoach or trailer financing, rates may run slightly higher, but we’ll still work hard to get you the best terms possible. Loan terms can start at 10 years and stretch up to 20 years, helping keep payments comfortable while you gear up for the road ahead. Track day, show weekend, or your next great escape, we’ll get you rolling fast and confident.
Protect Your Investment with Confidence
Your motorcoach, toy hauler, or adventure vehicle is more than a purchase, it’s your ticket to adventure. That’s why IWS believes your unit should never be financed without a extended service contract. IWS offers a wide range of RV Protection Plans to help cover unexpected repairs and keep your travel worry-free on your new or used recreation vehicle. Even if you didn’t buy your unit from us, you can still purchase an extended service contract through IWS at anytime! We’ll build a personalized quote based on how you use your unit and what coverage matters most to you, so your protection plan fits your needs and wants perfectly. Check out our Extended Service Contract page for more information.
