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Finance Your RV
At Lerch RV we are RV enthusiasts, and there's nothing we enjoy more than helping our customers find the kind of fun and adventure a quality travel trailer, fifth wheel, toy hauler or expandable trailer can bring.
Milroy, Pennsylvania
Financing your RV in Pennsylvania
If you're considering financing your new Alliance RV, Forest River RV, Keystone RV or KZ RV, you're in good hands with our finance department. We are thrilled to get the opportunity to help you set up a financing plan that gets you out on the road as soon as possible.
We don't just finance the travel trailer, fifth wheel, toy hauler or expandable trailer. You can also add parts and accessories, an extended service plan, and everything else you need to make sure your ownership experience is fun and rewarding, all for one simple monthly payment.
Our knowledgeable finance staff is here to make the process of purchasing your RV easy, so don't put off your dreams. Come in and talk to us today! You'll know you made the right choice when you're traveling the country in your new RV.
At Lerch RV we offer worry-free RV ownership. Talk to us in Milroy, Pennsylvania about financing your travel trailer, toy hauler, fifth wheel or pop-up and get out on the road today.
Let's talk
Talk to our finance team
Send us a note and a real person will reply. Prefer to talk? Call sales at 717.667.8003.
Good to know
Why finance your RV?
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 advisor, 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 and provide basic living accommodations such as a sleeping area, bathroom and cooking facilities. The RV is considered a qualified second residence as long as you designate it for each tax year.
The advantages of an RV lending specialist
Down payments are lower. Final terms are determined by your credit profile and the age, type and cost of the RV being purchased, but financing through RV lenders usually requires down payments in the 10% range.
Finance terms are longer, so monthly payments are lower. RV finance specialists know that RVs maintain their value and resale appeal, so they tend to offer more attractive terms. It's not uncommon to find 15–20 year repayment schedules to help you afford the RV of your dreams.
How does RV financing compare with other payment options?
Borrowing against an owned home is not an option unless the money is used directly for that home. The 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. The deduction is limited to interest paid on home equity loans up to $100,000.
The last word on RV financing
Your RV might actually cost you less in the end if you finance your purchase. By not tapping into your financial assets, you can take advantage of attractive new investment opportunities that come along, and the earnings from those investments can potentially exceed the cost of your RV financing. The bottom line: if you are thinking of buying an RV, check your financing options to maximize your purchase enjoyment.
Fast & easy Financing!
You'll be on the road enjoying your new RV before you know it. Our professional and courteous staff uses a variety of lenders to find the lowest rates and the length of term that suits each customer. We also offer:
- ✔Extended service agreements
- ✔Life and disability insurance
- ✔Gap protection
- ✔Trident interior fabric protection for carpet and upholstery
- ✔RVDA-endorsed XtraRide extended warranties
Protection after the sale
Coverage offered by our finance department
AGWS: the coverage to go on adventures
The AGWS Service Contract covers repairs for major mechanical failures, including but not limited to heating & cooling units, slide-outs, and power awning motors. Appliances, leveling jacks, and water heaters are also covered. The coverage is accepted nationwide and in Canada by any licensed repair facility.
Your only out-of-pocket expense is the deductible of $100, or $50 if you bring it back to Central Pennsylvania's largest RV Service Center for repair. The AGWS Service Contract also covers service calls up to $125 per occurrence. Protect your investment today against tomorrow's rising costs.
Duratain Protection Systems
Duratain VC products seal the beauty of your vehicle and the value of your investment. The exterior protective coating was developed not only to protect but to reduce your maintenance on the many different finishes used in the RV industry. This RV specific coating is guaranteed not to crack, chip, or flake off. VC-1 is a top coating that won't need waxing, is easy to clean, long lasting, and a must for today's thin RV finishes.
For awning, leather, and vinyl, Duratain has developed a transparent cross-link polymer bond that creates a protective barrier against oil, mold, and mildew. VC-3 helps protect from permanent staining and creates a cleanable surface. Guaranteed for 5 years.
Eco-Protection Systems
Are you ready to protect your RV from fading and the daily environment of everyday use? Eco-RV is a polymer coating that protects your new RV's exterior, interior, and awning from harsh elements. Eco-RV chemically bonds to your new camper's interior and exterior surface, providing a transparent, smooth, hard barrier.
Eco-RV also protects the interior of your new camper against stains from food, drink, kids, and pets. Your RV's awning will also be protected from mildew and mold growth by using the Eco-RV awning protection system.
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