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Providing Exceptional Loans to Exceptional People.

Atlantic Horizon Capital provides best-in-class service from the beginning through the end of every loan by offering a seamless and the highest level of customer service for our valued clientele.

Concierge Customer Care
Safe & Secure Capital Lending

Trusted By Our Discerning Clients

RV Loans

When you are ready to hit the open road, you need a vehicle for your new adventures. At Atlantic Horizon Capital, we have RV loans to make your dream of ownership come true. When purchasing an RV, motorcoach, or another vehicle, turn to us. We can help finance your purchase so that you can get on the open road.

Financing Options To Fit Your Recreational Needs

Whether you have a new or used recreational vehicle, you can find the ideal terms and loans with Atlantic Horizon Capital. RV loans are different from traditional types of loans, but they have similar requirements regarding finances and credit scores. Some factors to consider should include the following:

Loan Terms

Whether you have a new or used recreational vehicle, you can find the ideal terms and loans with Atlantic Horizon Capital. RV loans are different from traditional types of loans, but they have similar requirements regarding finances and credit scores. Some factors to consider should include the following:

Interest Rates

At Atlantic Horizon Capital, we will provide you with the best competitive rate for your vehicle. While RV loan interest rates are slightly higher than traditional car loans, we will give you the right options to finance your vehicle. The rate will largely depend on the RV’s value, location, your creditworthiness, and the length of the loan’s terms.


When you have been pre-approved for an RV, you can focus on finding the best price for the vehicle. Often, dealers and private sellers will take your offer more seriously if you have pre-approval financing. These pre-approved financing offers show you are ready to do business and are not wasting time by “window shopping.” Ask the team at Atlantic Horizon Capital about our pre-approval financing options.

Online RV Loan Benefits

While some potential owners may want to finance through other banks, personal loans are the ideal option for many. One of the primary benefits of the loan is the convenience. There is no need to meet in person or head to the bank.

All the loan processing can be completed in the privacy and comfort of your own home. In many cases, these loans will have an interest rate that is competitive with those offered by other lenders and banks. An online personal loan allows you to compare rates before deciding on the right option.

At Atlantic Horizon Capital, we offer some of the best competitive interest rates and terms for RV loans. Plus, we pride ourselves on being a convenient option to help you secure the financing needed for your next recreational vehicle purchase.

Also, our online RV loans can be processed faster than most traditional bank loans. You will not have to wait for a bank’s loan officer to respond to your loan application. Many times, we can offer financing in as little as a few days. With that option, you can get the money when you need it. There is never a need to wait for approval from a bank. All the approval is done in-house with our own loan team. You can get the money in your hands to close on the deal and drive away with your RV purchase.

Financing for New and Used RVs

At Atlantic Horizon Capital, we can finance both used and new RVs. With a new RV, you can get the latest features and start out on a new adventure. There is no need to worry about replacing worn-out parts or fearing a breakdown on the road. However, these vehicles can depreciate up to 30% as you leave the dealer’s lot. If you want to have the latest model for your next great road trip, Atlantic Horizon Capital does have financing options for you.

Used RVs are an economical choice, but new owners should always look for signs of damage, such as water leaks, accidents, or other mishaps. Keep in mind that not all used vehicles will qualify for a loan. In some cases, the vehicle may need to be inspected before it can be approved for a loan.

Sometimes, the age of the vehicle may be a factor for approval. Depending on the vehicle’s age, certain loan options could be unavailable to the potential owner. Contact our loan team to learn whether you need an inspection for your used RV loan.

Whether you have a new or used RV, Atlantic Horizon Capital is ready to help you secure a loan for your purchase.

Applying for an RV Loan

It is easy to apply for an RV loan. All you have to do is fill out the application, provide us with all the required paperwork, and wait for an approval. In many situations, you will have a decision in a couple of days. Once approved, we will send the funds to your bank account for immediate use.

Qualifying for an RV Loan

In many cases, the loan qualifications will depend on your income and credit score. Like a traditional loan, the qualifications for these personal loans are similar. Before filling out an application, you will need to know the following:

  • Your credit score
  • Income
  • Loan amount estimation
  • Down payment amount
  • Collateral requirements
  • Type of RV usage
  • Age of the vehicle

With any loan, employment status and income are needed to apply for financing. Have pay stubs and W2 ready for the application. In many cases, a minimum yearly income is required to secure an RV loan.

Credit scores are also necessary for these types of loans. At Atlantic Horizon Capital, we will use your credit score and look at your debt-to-income ratio to establish the loan rate for your RV. Many times, the applicant’s credit score should be over 700. A higher credit score means a better rate and terms for your loan.

Down Payments

A down payment may be required for the RV loan. Your loan’s total down payment percentage will be based on the vehicle’s cash selling price before any license, title, tax, and loan processing fees. In some cases, an additional down payment may be required collateral for the loan.

Find the Ideal Financing Terms for Your RV Loan

When you are ready to embark on the next stage of your life or want a vehicle to explore the open road, an RV loan can put you in the driver's seat. At Atlantic Horizon Capital, we have several financing options to help you secure the funds to purchase your dream vehicle. If you want to see the most competitive interest rates and terms for your RV loans, make sure to visit our website.

Frequently Asked

Atlantic Horizon Capital has a dedicated team of Lenders with over 30 years of lending experience to guide you through the process.  Atlantic Horizon Capital’s goal is to provide you with Exceptional Service while obtaining the best rate and structure for your borrowing needs.

You can apply for a loan using our online application or you can call one of experienced lenders to walk you through the process

Absolutely!  In today’s age of technology Atlantic Horizon Capital understands that most buyers may not be available to “come in” and sign their loan documents.  We have harnessed today’s technology to make your closing experience as easy as possible. In most cases we can have you sign the closing documents in the privacy of your home and email the documents back to us.

In order to give a final approval, Lenders require that customers identify a particular boat due to loan to value considerations (Year, make, model length etc.).  In some cases, a pre-approval can be obtained based on your credit and financial statements.

Copies of Federal Tax Returns, bank statements and pay stubs are needed to show your ability to repay the loan. In addition, the Year, Make, Model & Length will also be needed. Having all this information readily available can help your loan get processed faster.

Once you have submitted an application to us and we have all of the financial documents we can usually receive an decision in 24-48 hours.

While new boats generally offer a one year warranty, purchasing an extended warranty can help you save money in the long run.  We offer a wide range of Extended Warranties through United States Warranty Corporation, a 47 year old company that is well known in the industry that has helped thousands of boat owners over the years. Whether you are looking for an extended warranty covering your whole boat or just the engines, we offer warranties that will help you sleep better knowing you are covered.

Financing your boat purchase allows you to free up cash that you would otherwise use to purchase your boat.  By financing, you can spread the payments out over years so that you are comfortable with the payments. 

Yes, your boat loan interest may be tax deductible. In order for this to occur your boat would need to be considered a second home for federal tax purposes, so it must include a galley(kitchen), head(bathroom) and at least one sleeping berth(bed). In addition, you must itemize your deductions.   We recommend you consult with your accountant or tax advisor for assistance and guidance based on your situation.

Most boat loans require a minimum of 10% to 20% down payment, but 20% is the norm.  Down payment amounts can vary on a borrower’s financial qualifications and the loan amount.  In some cases, a poor credit score can be overcome by putting more money down and showing financial liquidity.

Yes, absolutely you can.  In many cases borrowers can finance up to an additional 20% of the boats value for additional add-ons or upgrades. Each Lender has a different threshold for the maximum amount you can add to your boat loan.

Debt to income ratio is a comparison of how much you owe with how much you earn.  It gives lenders an idea of what the risk to lend you money for your boat purchase would be.  The debt-to-income ratio is calculated by adding up all of your monthly debt payments (how much you owe) and dividing it by your gross income (what you earn). That number is then multiplied by 100 to express it as a percentage. An example would be your monthly debt payments are $4000 and your gross income is $12,000.  The $4,000 divided by $12,000 equals .3333 multiplied by 100 equals 33%.  For this example your debt to income is 33%.


The lower your debt-to-income ratio the better it is for you.  A lower ratio can help you obtain better rates and better terms.   Different Loans have different criteria, but typically a Lender wants to see a debt-to-income ratio of no more than 40%-50% including your boat payment.

Types of Loans We Offer

Boat Loans - Aircraft Loans - RV Loans

Still have Questions?

Getting the Right Loan for you has never been easier.

We offer borrowing solutions that can be customized to address your individual tax, cash flow and usage objectives. We regularly work with the industry’s leading manufacturers, servicers and key players, and are fully versed in the latest lending options available.

Providing exceptional service to exceptional people

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