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Financing

If you've decided you want to finance your new fishing boat, fifth wheel, motorhome, personal watercraft, snowmobile, toy hauler, travel trailer, truck campers or pop up campers, you're not alone. Seventy percent of Aqua Patio, Bayliner, Boston Whaler, Carnai Trailers Crownline, EZ Loader, G3 Boats, Hewescraft, Hurricane, Keystone RV, Lance, Lowe Boats, Northstar, Sanpan boats, Sea Ray, Sea-Doo, Ski-Doo, Supreme Boats or Sweetwater buyers finance their new purchase. With a minimum down payment and approved credit, you can arrange financing with us and get out on the road or water a few hours after picking out your new or preowned boat or trailer.

Plus, you can add in all your parts and accessories, service agreements, insurance and more. You'll have everything you need, and you can accomplish all of this and keep it with one low monthly payment.

And because here at Gull Boats & RV of Missoula, Montana, we finance more Aqua Patio, Bayliner, Boston Whaler, Carnai Trailers Crownline, EZ Loader, G3 Boats, Hewescraft, Hurricane, Keystone RV, Lance, Lowe Boats, Northstar, Sanpan boats, Sea Ray, Sea-Doo, Ski-Doo, Supreme Boats or Sweetwater than anyone else, and we understand your special needs. Only someone who knows how you feel when you hit the road on your next vacation understands that getting your new purchase financed ASAP is your biggest concern. That's why we make the process easy for you.

Talk to Gull Boats & RV of Missoula, Montana about financing your fishing boat, fifth wheel, motorhome, personal watercraft, snowmobile, toy hauler, travel trailer, truck campers or pop up campers with Gull Boats & RV and get out on the road today.


When you finance your purchase instead of liquidating assets or paying cash, you maintain your personal financial flexibility. Plus, your RV may qualify for some of the same tax benefits as a second home mortgage. Of course, check with your tax adviser, but basically to qualify for these benefits, such as the deductibility of interest on the loan, the RV must be used as security for the loan along with providing basic living accommodations such as a sleeping area, bathroom and cooking facilities. Remember, the RV is considered a qualified second residence as long as you designate it for each tax year.

Down payments are lower - Although final terms are determined based on your credit profile and the age, type and cost of the RV being purchased, financing through RV lenders usually requires down payments in the 10% range.

Finance terms are longer / Monthly payments are lower - Because RV finance specialists know that RVs maintain their value and resale appeal, they tend to offer more attractive terms. In fact, it's not uncommon to find 15-20 year repayment schedules to help you afford the RV of your dreams.

Borrowing against an owned home is not an option unless the money is used directly for that home. Home mortgage interest deduction is restricted to interest paid on mortgage debt used to purchase or improve a residence, or to refinance the remaining balance on a purchase or improvement. The purchase of an RV, therefore, does not qualify for this deduction. Home equity loans limit the amount of interest that is deductible, if your RV loan balance exceeds $100,000. Home mortgage interest deduction is limited to interest paid on home equity loans up to $100,000.
Your RV might actually cost you less in the end if you finance your purchase. By not tapping into your financial assets to purchase the RV, you can take advantage of attractive new investment opportunities that might come along and the earnings from those investments can potentially exceed the cost of your RV financing. The bottom line is that if you are thinking of buying an RV, you should check financing options to maximize your purchase enjoyment. You'll be on the road enjoying your new RV before you know it!