How to finance a Jayco RV

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.

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Name	Product	Filter Values	Minimum credit score	APR	Loan term	Requirements
Alliant Credit Union Car Loans			640	2.74%(as low as)	Up to 7 years	Must be a member of Alliant Credit Union, minimum credit score of 640, DTI under 50%, and be 18 or older.	Low interest rates, but you'll need good to excellent credit to qualify.	More Info	Compare	loading Fetching your data...
Consumers Credit Union Auto Loans			Varies	Starting at 4.24%	Up to 15 years	Membership with Consumers Credit Union, residency, work, study or worship in lower Michigan or an immediate relative of a CCU member, at least 18 years old, legal US resident, be employed, plan to buy or refinance a car model that’s no older than 2007.	Find some of the most competitive auto loan rates at this credit union open to residents of all 50 states.	More Info	Compare	loading Fetching your data...
FedEx Employees Credit Association Auto Loan				Starting at 1.49%	Up to 7 years	Your Social Security number, two forms of ID including one that’s government-issued, such as a passport or driver’s license and $25 to deposit in a savings account.	Financing with APRs as low as 1.49% for members of this credit union.	More Info	Compare	loading Fetching your data...
KeyBank auto loan				Varies by state	1 to 20 years	Ages 18+, live in eligible state	More Info	Compare	loading Fetching your data...
M&T Bank Auto Loan				Starting at 4.24%	Up to 20 years	US Drivers License or non-state ID and a Social Security Card, reside in an eligible state, ages 18+	More Info	Compare	loading Fetching your data...
Navy Federal Credit Union Auto Loans			Varies	1.79% (As low as)	Varies	Credit union member, US citizen or permanent resident, have age of majority.	Get an auto loan from a lender dedicated to serving military members and their families.	More Info	Compare	loading Fetching your data...
PenFed Auto Loans			Varies	2.99% (Starting at)	Up to 10 years	Active membership with PenFed	Low APR car loans from a well-known credit union.	Go to site More Info	Compare	loading Fetching your data...
State Farm vehicle loans				Starting at 4.64%	Up to 20 years	State Farm vehicle loans aren’t available in Massachusetts or Rhode IslandFees	Financing up to $250,000 for your next car, boat, RV or travel trailer.	More Info	Compare	loading Fetching your data...

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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

• Does Jayco sell handicapped-accessible RVs?

  No, Jayco doesn’t build RVs that are handicapped accessible, though other brands like Newmar and Winnebago Industries do.

• Does Jayco offer leases?

  No, Jayco doesn’t offer any sort of leasing programs for its RVs.

• Can I buy a used Jayco?

  It’s possible, though you won’t be able to purchase one through Jayco’s website — it currently only lists new RVs and trailers. Instead, you’ll need to visit an RV dealership near you to see if they have any used Jaycos available.

Pictures: Getty Images and Jayco RV official page