Warning, borrowing money also costs money.
Embark on an Adventure with an RV Loan
Dreaming of traveling in complete freedom with a motorhome or caravan? Discover our caravan loan solution, a flexible option to finance the purchase of your recreational vehicle, whether new or used. Start your adventure with complete peace of mind!
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** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
Discover the RV Loan: Your Passport to Adventure
The RV Loan is an installment loan specifically designed for the purchase of your recreational vehicle. Unlike a personal loan, it is an earmarked loan: the funds are directly allocated to the purchase of your motorhome, converted van, or caravan. This specificity often allows you to benefit from more favorable terms and rates.
A few examples of projects you can finance with our RV Loan:
- Buying a new motorhome: fully integrated, semi-integrated, or over-cab models for optimal comfort.
- Purchasing a used caravan: an economical solution to get a taste of freedom.
- Buying a converted van or campervan: for more discreet and agile travels.
- Partial or full financing: with or without a personal down payment, depending on your situation.
- Covering additional costs: possibility to include the first registration or essential accessories in the financing.
Thanks to our simple and fast online simulation, you can immediately estimate:
- The ideal amount to finance the vehicle of your dreams.
- The monthly payment that best fits your travel budget.
- The repayment term that suits you best.
With competitive interest rates dedicated to recreational vehicles, the RV Loan offers you the financial peace of mind needed to hit the road and make your travel dreams come true.
Free • No obligation • Quick initial response
The Key Advantages of our RV Loan
The RV Loan is the most suitable financing solution for your getaway project. It combines security and flexibility:
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Often more favorable rates: As an earmarked loan, the risk for the lender is lower, which generally translates to a more attractive APR than a standard personal loan.
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Tailor-made financing for your vehicle: The borrowed amount corresponds precisely to the purchase price (full or partial) of your new or used motorhome or caravan.
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Adapted amounts and terms: Finance large amounts corresponding to the value of these vehicles, with repayment terms that can be longer (up to 120 months or more) to lighten your monthly payments.
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Buyer protection: Since the credit is linked to the purchase, if the sale of the motorhome is canceled, the loan is also automatically canceled. This is an additional security for you.
With these assets, the RV Loan stands out as the ideal financial tool to acquire the vehicle of your dreams with complete confidence and start planning your future getaways.
How to Get Your RV Loan Quickly?
Our process is designed to be simple, fast, and get you on the road as quickly as possible.
1. Online Simulation
Use our simulator to define your vehicle’s price and the repayment term. Get a clear estimate of your monthly payment and APR.
2. Application and File
Fill out the application form. Prepare your documents and the purchase order or pro-forma invoice for the motorhome or caravan.
3. Analysis and Response
Our specialized advisors analyze your file. You receive a quick initial response, so you don’t miss out on a good deal.
4. Contract Signing
If the financing offer suits you, sign the contract, often electronically for simplicity and speed.
5. Disbursement of Funds
After final approval, the funds are usually paid directly to the seller (dealership or garage) or to your account upon presentation of the invoice.
Our expert advisors are available by phone, email, or in-branch at every step to guide you through your purchase project.
Financing Tailored to Your Getaway Project
Our RV Loan is designed to adapt to the value and longevity of your future recreational vehicle:
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Fixed and attractive interest rate: You benefit from a fixed rate throughout the loan term. Your monthly payments are constant, allowing you to budget for your trips without surprises.
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Extended repayment term: Buying a motorhome is an investment. We offer long repayment terms (up to 144 months depending on the case) to adjust the monthly payment to your budget.
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Early repayment option: If you wish to pay off your loan earlier, the law allows it. Capped fees may apply, but you remain in control of your financing.
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Financing up to 110%: Depending on your file, it’s possible to finance not only the purchase price but also the initial costs (VAT, registration) for a turnkey project.
This flexibility is essential to make your dream a reality, with complete peace of mind and while preserving your financial balance.
An Investment in Your Quality of Life
A well-planned loan transforms the purchase of your motorhome into a true investment in your well-being and future memories.
Plan Your Trips with Peace of Mind
The simulation helps you choose a monthly payment that fits perfectly into your budget, leaving you free to plan your routes and destinations.
Choose the Right Vehicle
By knowing your financing budget in advance, you can more effectively search for the motorhome or caravan that meets your needs and means.
Benefit from Expert Advice
Our advisors know the specifics of the recreational vehicle market. They guide you to find the most suitable financing for your purchase project.
By choosing the right financing, you give yourself the means to live your passions and create unforgettable memories with family or friends, on the roads of Europe and beyond.
They Hit the Road to Freedom Thanks to Us
“We dreamed of a motorhome to go on vacation with the kids. The loan process was incredibly simple. We were able to get financing for a used model in perfect condition. The advisors guided us well. Our first vacation was magical!”
“As new retirees, we wanted to buy a caravan to explore Luxembourg and neighboring countries. The online simulation gave us a clear idea of the monthly payments, and the contract was transparent. The funds were transferred directly to the dealership; everything was taken care of.”
Our clients particularly appreciate:
- The speed so as not to miss a good deal on a vehicle.
- The clarity of the terms and the favorable rates for this type of project.
- The support from advisors who understand their passion for travel.
A well-chosen RV loan is the first step towards a new life, full of discovery and freedom.
RV Loan FAQ
Find answers to frequently asked questions here about financing your motorhome, converted van, or caravan in Belgium and Luxembourg. Hit the road with peace of mind!
The main difference lies in the purpose of the credit. A Personal Loan is an “all-purpose” loan: you use the money freely without having to provide proof of purchase. An RV Loan is an “earmarked loan,” which means the funds are exclusively intended for the purchase of the recreational vehicle mentioned in the contract.
The advantages of an earmarked loan for a motorhome are:
- Often lower interest rates: The lender knows the purpose of the financing, which reduces the risk and allows for a better rate.
- Security: If the vehicle sale is canceled for any reason, the loan is also automatically canceled. You are not committed to repaying a loan for a good you do not have.
- Proof required: You will need to provide a purchase order or a pro-forma invoice to get the financing.
Yes, absolutely. Our financing solutions cover the purchase of both new and used recreational vehicles. The process is very similar.
For a used vehicle purchased from a professional (dealership, garage), you will need to provide the purchase order. For a purchase between private individuals, the terms may vary, but a sales contract signed between you and the seller will generally be necessary. The age of the vehicle can sometimes influence the maximum authorized repayment term. Feel free to simulate your project to see the available options.
It is not always mandatory to make a down payment. Depending on your financial situation and your file, it is entirely possible to finance 100% of your motorhome’s purchase price. This is known as financing without a down payment.
However, providing a down payment has advantages:
- It reduces the total amount you need to borrow.
- Consequently, it lowers your monthly payments or the term of your loan.
- It can strengthen your application and increase your chances of getting a positive response, especially for very high amounts.
Our simulator allows you to test different scenarios, with or without a down payment, to find the solution that suits you best.
The repayment term for an RV loan is generally longer than for a standard car loan, as the purchase value and lifespan of the vehicle are more significant.
Terms can range from a few years up to 120 months (10 years), or even 144 months (12 years) in some cases, depending on the amount borrowed, the age of the vehicle (new or recent used), and your borrower profile. A longer term allows for lower and more comfortable monthly payments for your budget, but it increases the total cost of the credit. Our simulator will help you find the right balance.
To process your RV loan application, you will generally need to provide the following documents:
- Proof of identity: a copy of your valid ID card or passport.
- Proof of income: your latest payslips (usually 2 or 3), your most recent tax assessment notice. If you are self-employed, your latest balance sheets or tax returns.
- Proof of expenses: your latest bank statements showing your recurring charges (rent, other loans…).
- The key document for this loan: a copy of the signed purchase order or the pro-forma invoice for the motorhome or caravan you wish to buy.
Preparing these documents in advance will significantly speed up the processing of your application.
Credit protection insurance is generally not legally mandatory for a consumer loan. However, it is very strongly recommended, especially for an investment as significant as a motorhome, with a long repayment term.
This insurance protects your loved ones: in the event of death, the insurance repays the outstanding capital to the credit institution, thus preventing your family from inheriting this debt. Some policies may also cover disability.
Although it represents an additional cost, it offers invaluable peace of mind. Our advisors can inform you about the different insurance options available.