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RV Financing in Minnesota

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Estimate a monthly RV payment using purchase price, down payment, trade value, interest rate, term, estimated taxes and fees.

For planning purposes only. Actual financing terms depend on lender approval and your transaction.

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7.99% APR is used as the default estimate. Actual APR varies by applicant, lender, RV, loan amount and term.

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See What Changes Your Payment

Hypothetical comparisons based on your numbers above.

  • With an extra $2,500 down

  • At 144 months

  • At 6.99% APR

    Hypothetical rate comparison only. Not an offer or approval.

  • At 8.99% APR

    Hypothetical rate comparison only. Not an offer or approval.

Found a payment range that works for you?

Hilltop Camper & RV can help you find an RV and explore financing options that fit your needs.

Shop RVs Apply for Financing Talk to Hilltop

Payment estimates are for informational purposes only and are not an offer of credit, financing approval or a guarantee of any APR, payment or loan term. The default 7.99% APR is used for estimated payment calculations and does not mean that all buyers will qualify for that rate. Actual APR, payment, loan term, taxes, fees, trade value, payoff amount and financing terms vary based on the buyer, lender, credit approval, RV purchased, amount financed, location and other factors.

RV Financing Options for Minnesota RV Shoppers

Hilltop Camper & RV helps Minnesota shoppers explore financing for new and pre-owned RVs. You can compare dealer financing with your bank or credit union, estimate a monthly payment, value your trade, and choose a Hilltop location to begin a secure credit application.

Hilltop serves RV shoppers through Alexandria, Brainerd, Rochester, and the Twin Cities. Actual rates, terms, down payments, approvals, taxes, fees, and lender programs vary by applicant and transaction.

Secure Credit Application

Apply for RV Financing by Hilltop Location

Ready to take the next step? Choose the Hilltop Camper & RV location that works best for you and fill out the secure credit application for Alexandria, Brainerd, Rochester, or the Twin Cities.

Should You Finance an RV Through the Dealer or Your Bank?

It can be worth comparing both. Hilltop works with RV lenders regularly, and the video below explains why dealer financing may offer competitive rates, the ability to include eligible parts and accessories in the financing, and a simpler one-stop process. Always compare the actual APR, term, monthly payment, total amount financed, fees, and contract details available to you.

Read Video Transcript

So, why finance through your RV dealer rather than through that bank or that credit union that you've been with for 30 years? Well, there are a few reasons. It starts with rates. I mean, you think about it. We are only dealing with RV loans. We are only dealing with the same banks over and over. And so, we are able oftentimes, you'd be surprised, get even better rates than somebody who's been with their credit union or their bank for over 30 years.

Plus, if you're going to buy parts and accessories along with the camper, you can roll that right into the financing. And where that's going to benefit you is you're going to get taxed at the rate of the camper rather than on retail. So, that's going to save you a few bucks there.

And if you were in that unfortunate event where your camper were to be totaled, the insurance company's going to look at that original purchase agreement when it comes to determining reimbursement.

And if you're worried about prepayment penalties, yeah, there are no prepayment penalties to worry about.

I'll tell you what, our folks are super helpful. I'm really proud to work with the folks that help our customers with their financing. And so, if you have any questions, you can certainly reach out to Hilltop Camper and RV. We'd love to help you out.

RV Financing Built Around Real Numbers

At Hilltop Camper & RV, our goal is to make RV financing easier to understand before you apply. We help Minnesota shoppers compare payment options, down payment possibilities, trade value, and lender programs so you can make an informed financing decision.

No Prep Fees. No Freight Fees.

Hilltop does not charge prep fees or freight fees. Your transaction may still include tax, title, license, and doc fees. The goal is straightforward pricing without surprise dealer add-ons.

Personalized RV Financing Help

Hilltop works to match customers with appropriate lenders based on their situation rather than using a mass credit submission. The finance team can help explain available options and next steps.

Financing for New & Pre-Owned RVs

Whether you are shopping for a travel trailer, fifth wheel, toy hauler, motorhome, destination trailer, or park model, Hilltop can help you explore financing options for new and pre-owned RVs.

Why Consider Financing Your RV Through Hilltop?

RV financing can make a purchase more manageable by spreading the cost over time. The right option depends on the RV, your down payment, trade value, credit profile, lender program, term, and the rate available when you apply.

Flexible Terms Explore payment options on new and pre-owned RVs with terms that may fit your budget and financing needs.
Trade-In Support Your current RV may help lower the amount financed and change the overall payment picture.
Clear Guidance The Hilltop team can help explain application steps, approvals, timelines, and information a lender may request.

RV Financing Across Minnesota

Hilltop Camper & RV helps RV shoppers across Minnesota through locations serving Alexandria, Brainerd, Rochester, and the Twin Cities. Whether you are buying your first camper, upgrading to a different RV, shopping new or pre-owned, or comparing payment options, you can start with the location most convenient for you.

Choose a location below to begin its secure credit application.

RV Financing FAQ

Common Questions About RV Financing in Minnesota

These quick answers summarize the financing information on this page. Your actual financing terms depend on the lender, applicant, RV, loan contract, and transaction.

Should I finance an RV through the dealer or my bank or credit union?

Compare both. A dealer that regularly works with RV lenders may be able to offer competitive financing options, while your bank or credit union may also have an offer worth considering. Compare the APR, term, monthly payment, total amount financed, fees, and contract terms before deciding.

Can I finance a pre-owned RV at Hilltop?

Yes. Hilltop helps shoppers explore financing options for both new and pre-owned RVs, including travel trailers, fifth wheels, toy haulers, motorhomes, destination trailers, and park models. Financing availability and terms are subject to lender approval.

How much down payment do I need for an RV?

There is no single down payment that applies to every RV loan. The amount can vary based on the RV, lender program, applicant, credit profile, trade value, and other details of the transaction.

Can parts and accessories be included in RV financing?

They may be able to be included when purchased as part of the RV transaction. Eligibility depends on the lender, the items, the amount financed, and the specific purchase. Ask the Hilltop finance team what can be included in your transaction.

Does Hilltop charge prep or freight fees?

No. Hilltop does not charge prep fees or freight fees. Tax, title, license, and doc fees may still apply to the purchase.

Are there prepayment penalties on RV financing?

In almost every case, no. Based on the financing programs Hilltop typically works with, prepayment penalties are uncommon. Exact terms are set by the lender and individual loan contract, so review the lender disclosures and your contract before signing.

Where can I apply for RV financing with Hilltop Camper & RV?

Use the secure credit application for the Hilltop location that works best for you: Alexandria, Brainerd, Rochester, or the Twin Cities. The location buttons near the top of this page take you directly to the appropriate application.

Ready to Start Your RV Financing?

Estimate your payment above, browse available new and pre-owned RVs, value your trade, or choose your preferred Hilltop location to begin the secure credit application.

No prep fees. No freight fees. No mass credit submissions. Straightforward RV financing help from Hilltop Camper & RV.

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