There is no effect on Your Credit to Prequalify!
We are a Verified Direct Lender to Numerous Credit Unions and Banks.
This means You Get the Same or a Better Rate with Us!
Enter your information below and we will get you prequalified.
Get Financed for RV's and Used Trailers in Salt Lake City | Low Interest on Auto Loans
From funding RVs within your budget to getting Recreational Vehicle Insurance, Clays Utah RV Sales team of experts can help you at every stage. The duration of an RV loan is usually 6-20 years, depending on the type of loan. The exact RV loan terms depend on whether the loan is secured or unsecured, the down payment, credit rating, and the total cost of the RV you purchase.
Like RV loans, interest rates on RV loans depend on several factors. Your credit rating and funding terms will affect your interest rates. Our Clays Utah RV Sales experts in RV sales in salt lake city can help you in getting the lowest interest rates on RV financing. Unless you haven’t found the RV, used trailer, or cargo trailer you are looking for, you can use our Rv finder tool online and fill out the form below, and our staff will contact you once we found the RV.
Visit Clays Utah RV Sales Financial Center Today!
Our financial experts carefully consider your options and lay out the various loans available to help you better understand the different terms. Check the loan and find the best fit for your lifestyle Once you find the right loan, you can sign up and start taking your first drive in your used RV. If you have any questions about financing a used vehicle or need help determining which model from our inventory fits your budget, the financial experts at Clays Utah RV Sales are always ready to help. Visit our showroom in Salt Lake City, UT, or give us a call.
When you’re ready to move forward with the buying process, complete your loan application and check your trade-in value from the comfort of your home.
What Credit do You Need For a RV Loan?
The credit rating required to qualify for a RV loan is relative to the lender. On average, a borrower needs a score in the high 700s for a new RV loan and in the mid 600s for a used RV loan. This credit rating also determines the Customers interest rate on the loan. In order for him to get an interest rate of 0-2% on a new RV loan, the lender usually requires a score of 700 or more credit. Conversely, if the borrower’s credit score is in the mid-600s or low-500s to low-600s, the lender will charge him an interest rate three to five times higher than a lender with one good.
There is no reason to wait! Apply now to receive your offer. Our staff will contact you regarding available funding options. Or you can call us at (801) 972-1110, or you can visit us directly at our store located at 1260 S 500 W, Salt Lake City, UT 84101.
Frequently Asked Questions (FAQs)
Why choose us as the best used car dealership for RV financing?
At Clay’s RV Sales, we offer hassle-free RV financing directly on-site, making us one of the most trusted and convenient options. With fast processing and flexible terms, we’re committed to helping you get behind the wheel quickly and confidently.
What makes our easy financing for RV process so smooth?
Our streamlined process includes pre-qualification, partner financing, and minimal paperwork. We work closely with credit unions and lenders to secure a financing solution tailored to your needs—delivering fast loan approval and a seamless experience.
What types of RV financing options are available?
We offer:
-
In-house dealer financing for quick and flexible decision-making
-
Credit union and bank financing to provide competitive rates
-
Financing for used RVs, with loan terms ranging from 10 to 20 years
How fast can I expect fast loan approval?
With a completed application and required documents submitted, many lenders offer pre-approval the same day, moving quickly to finalize your purchase
What documents are required to apply for RV financing?
To ensure fast loan approval, you should have the following ready:
-
Proof of Identity (e.g., driver’s license or passport)
-
Social Security Number
-
Proof of Income (recent pay stubs, W-2s, or tax returns)
-
RV Purchase Agreement or sales contract
-
Details of any down payment or trade-in
-
Proof of Insurance
Do I need a big down payment?
Typically, lenders request a 10%–20% down payment, but some may offer 0% down programs depending on credit standing
What if my credit is less than ideal?
You’re in good hands. We work with lenders who specialize in financing customers with credit challenges—bankruptcy, medical debts, or repair history—and can often secure approval with adjusted terms or higher down payments
Can I get financing without knowing which RV I want?
Yes! Getting pre-approved upfront gives you leverage and flexibility when shopping. Once you select a specific unit, we’ll apply the financing toward your chosen RV
