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How to finance a Jayco RV

Compare your loan options to cover that $300K sticker price.

Jayco is known for its wide range of camping trailers, travel trailers and motorhomes that let you travel and live on the road with all the space you need. While a new Jayco can cost anywhere from $12,000 to over $300,000, there are a few financing options that can help you foot the bill.

How can I finance a Jayco?

Generally, the most cost-effective route is to get an RV loan from a bank, credit union or online lender — you’ll likely get the most competitive rates and terms since its secured by the motorhome or trailer you’re buying. If your bank doesn’t offer RV loans specifically, you can also consider taking out a personal loan. Both of these options can be time consuming, though, since you’ll need to fill out multiple prequalification forms to compare offers.

Want to go with the faster, easier option? Then consider financing directly through an authorized Jayco dealership. Just be aware that you might not get the most competitive rate — and it may come with additional costs like dealer fees. Check with your local authorized Jayco dealership to see if they currently have any special financing deals.

Compare RV loans

Name Product Filter Values Minimum credit score APR Loan term Requirements
PenFed Auto Loans
Varies
Starting at 1.04%
Up to 10 years
Active membership with PenFed
Low APR car loans from a well-known credit union.
Carvana
No minimum credit score
3.9% to 27.9%
Varies
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.
car.Loan.com Car Loans
300
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
No minimum credit score
Varies by network lender
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
Auto Credit Express Car Loans
300
Varies
Varies
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
500
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.
LendingTree
Good to excellent credit
Starting at 3.09%
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
myAutoloan.com Car Loans
550
1.79% to 27%
550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old
Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.
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Compare up to 4 providers

Does Jayco offer special discounts or programs?

No, Jayco doesn’t officially list any special discounts for its vehicles on its website. However, your local authorized Jayco dealership might have its own special offers.

How much will a new Jayco cost me?

Depending on whether you’re interested in a motorhome or trailer, you can spend as little as $12,000 or as much as $300,000. Here’s how it breaks down for some of Jayco’s 2019 models.

Jay Sport

  • Starting MSRP: $11,747
  • Build: Camping trailer

Hummingbird

  • Starting MSRP: $17,425
  • Build: Travel trailer

White Hawk

  • Starting MSRP: $39,041
  • Build: Travel trailer

Redhawk

  • Starting MSRP: $96,068
  • Build: Class C motorhome

Alante

  • Starting MSRP:$120,766
  • Build: Class A motorhome

Greyhawk

  • Starting MSRP: $120,818
  • Build: Class C motorhome

Seneca

  • Starting MSRP: $255,293
  • Build: Class C motorhome

Embark

  • Starting MSRP: $303,143
  • Build: Class A motorhome

Insurance costs that come with driving an RV

Does a new Jayco come with a warranty?

Yes. All new Jayco vehicles come with a limited warranty that lasts for two years or 24,000 miles — whichever comes first. In addition, Jayco camping trailers come with coverage for parts and labor that lasts for five years, which includes maintenance on the lifter system, roof and floor.

In addition, new Jayco motorhomes come with one year of 24/7 roadside assistance. This includes jump starts, tire changes, fuel delivery and on-site mechanical service — all free of charge.

Bottom line

Buying a Jayco can be a great way to live on the road while still feeling at home. While it can be expensive, you have a few financing options to choose from. Going with a bank or online lender can probably get you more competitive rates and terms, though dealership financing is usually faster.

Read our guide to RV loans to learn more and compare options.

Frequently asked questions

Pictures: Getty Images and Jayco RV official page

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