Vantage Recreational Finance Review: A Comprehensive Analysis


In the world of recreational vehicle (RV) financing, selecting the right lender is crucial. Vantage Recreational Finance has emerged as a significant player in this sector, offering a range of financing solutions tailored to meet the diverse needs of RV enthusiasts. This blog post delves deep into the offerings, strengths, and potential drawbacks of Vantage Recreational Finance, providing a thorough review to help prospective borrowers make an informed decision.

Company Overview

Vantage Recreational Finance is a specialized financial service provider focusing on loans for recreational vehicles, including motorhomes, travel trailers, fifth wheels, and boats. The company aims to make the dream of owning a recreational vehicle accessible to a broader audience by offering competitive rates and flexible terms.

Key Offerings

  1. Loan Products:
  • New and Used RV Loans: Vantage Recreational Finance provides loans for both new and used recreational vehicles. This flexibility allows customers to choose from a wide range of options based on their budget and preferences.
  • Refinancing Options: For current RV owners, the company offers refinancing options to help lower monthly payments or secure a better interest rate.
  1. Loan Terms and Conditions:
  • Competitive Interest Rates: Vantage prides itself on offering competitive interest rates, which can vary based on the borrower’s credit score, the loan amount, and the term length.
  • Flexible Loan Terms: Customers can choose from a variety of loan terms, typically ranging from 5 to 20 years, providing flexibility in managing monthly payments.
  1. Special Programs:
  • Extended Warranties: The company offers extended warranty programs to protect the investment in the RV.
  • Gap Insurance: Gap insurance is available to cover the difference between the RV’s actual cash value and the balance still owed on the loan in the event of a total loss.

Application Process

The application process with Vantage Recreational Finance is streamlined and user-friendly. Here’s a step-by-step look at what potential borrowers can expect:

  1. Pre-Qualification:
  • Borrowers can begin the process by filling out a pre-qualification form online, which involves providing basic information about the applicant and the desired loan.
  1. Credit Evaluation:
  • Vantage Recreational Finance conducts a soft credit check to determine preliminary eligibility without affecting the borrower’s credit score.
  1. Loan Offers:
  • Once pre-qualified, borrowers receive personalized loan offers. These offers detail the loan amount, interest rate, and term length, allowing borrowers to compare options and choose the best fit.
  1. Documentation and Approval:
  • After selecting a loan offer, borrowers must submit necessary documentation, such as proof of income, identification, and details about the RV.
  • The approval process is typically swift, with decisions often made within a few business days.
  1. Finalizing the Loan:
  • Once approved, the final step involves signing the loan agreement and disbursing the funds. This can often be done electronically for added convenience.

Customer Experience

Customer Service: Vantage Recreational Finance is known for its responsive and knowledgeable customer service team. Borrowers have reported positive experiences with representatives who are well-versed in the intricacies of RV financing and can provide personalized assistance.

Online Tools and Resources: The company offers a range of online tools to assist borrowers, including loan calculators, FAQs, and detailed guides on the financing process. These resources help demystify RV financing and empower borrowers to make informed decisions.

Strengths of Vantage Recreational Finance

  1. Specialization in RV Loans: Unlike traditional lenders, Vantage Recreational Finance specializes exclusively in recreational vehicle loans. This specialization means they have a deeper understanding of the market and can offer tailored solutions.
  2. Competitive Rates and Terms: The company’s focus on competitive rates and flexible terms makes it an attractive option for many borrowers. Their ability to cater to different financial situations and credit profiles is a significant advantage.
  3. Comprehensive Coverage: With options for extended warranties and gap insurance, Vantage Recreational Finance goes beyond just loan provision, offering additional services that protect borrowers’ investments.
  4. Ease of Application: The straightforward application process, combined with quick approval times, makes obtaining a loan from Vantage Recreational Finance convenient and efficient.

Potential Drawbacks

  1. Credit Score Sensitivity: Like most lenders, Vantage Recreational Finance’s best rates are reserved for those with higher credit scores. Borrowers with lower scores might face higher interest rates or less favorable loan terms.
  2. Limited Physical Presence: Vantage Recreational Finance primarily operates online. While this is convenient for many, some borrowers might prefer a lender with physical branches for face-to-face interaction.
  3. Additional Fees: Depending on the loan product and terms, there may be additional fees, such as origination fees or prepayment penalties. Borrowers should read the fine print and understand all potential costs associated with their loan.

Comparison with Other RV Lenders

When compared to other RV lenders, Vantage Recreational Finance holds its own due to its specialized focus and comprehensive service offerings. However, borrowers should still shop around and compare rates, terms, and customer reviews from multiple lenders to ensure they are getting the best deal.


Vantage Recreational Finance stands out in the RV financing landscape due to its specialized focus, competitive rates, and comprehensive service offerings. While it may not be the perfect fit for everyone, particularly those with lower credit scores or a preference for in-person service, it offers a compelling option for many prospective RV owners.

By understanding the strengths and potential drawbacks of Vantage Recreational Finance, borrowers can make an informed decision and embark on their RV adventure with confidence. As with any financial decision, careful consideration and thorough research are key to finding the best financing solution for your needs.

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