Finance Department

Toi Hartley
Hey there! My name is Toi and I'm the Finance Manager for our Stuart location. I love my job and enjoy helping people just like you, find the right loan.Getting approved for a RV loan is actually not as hard as most people think. I encourage you to read the information I've compiled learn more about loans and how YOU can qualify! Please, contact me anytime!


Toi Hartley (Stuart)


Are you ready to begin your RV Lifestyle? Get Approved today by filling out a financing application!

At Florida Outdoors RV, it is a hassle free process from choosing the perfect RV for your family to financing with some of the nation's leading lenders. Our finance manager makes it convenient and easy by negotiating with banks on your behalf to obtain the best loan terms possible.What are the advantages of RV financing? RV loan Interest is tax deductible as a 2nd home mortgage.


What if I have bad credit?

If you've had financial difficulties resulting in a low credit score or poor credit history, owning a RV may be easier than you think. Many people who think they can not afford a RV may be surprised to learn that there are still great lending options. Though you may incur a higher Interest rate, our finance department will ensure that your monthly payment is affordable. We are here to help.


How long are RV terms?

Loan terms will vary depending on the units age and amount that you are financing. Loans range in terms from 8 to 20 years.If you plan on paying off your loan in a shorter time period, there are Simple Interest Loans available so you are not penalized for  an "early payoff."


How much do banks require for a down payment?

Most banks require 10% cash or trade equity for a down payment.


How much will my payment be?

Monthly RV payments are determined by loan amount and length of term. Depending on these variables, your payments could be as low as $100 a month. With low rates like this, you can truly enjoy the RV lifestyle of your dreams.



Trade Equity: The market value of your trade minus any outstanding current loan payoff.
Trade Equity = (Current Market Value) - (Outstanding Current Loan Payoff)

Term: The length of your RV loan. This is expressed in years or months.

Credit Score: A numerical expression estimating an individual's credit worthiness and ability to repay financial obligations. Scores range from 300 to a high of 850.

Credit History: Consists of information such as:

  • Number and type of credit accounts
  • How long the accounts have been open
  • Amounts owed, amount of credit used
  • Whether bills are payed on time
  • Number of recent credit inquiries
  • Record of bankruptcies, liens, judgements, or collections


Interest Rate: An interest rate is the rate charged or paid for using money. (Cost of Money)

DTI Ratio: The Debt to Income Ration is your total debt amount (e.g. car payment, house payment, etc) in relation to your monthly income. The finance manager uses the DTI to determine what monthly payments you can comfortably afford.

W.A.C.: The term "With Approved Credit" is used when a dealer is estimating a monthly payment. The monthly payment presented to you assumes you have great credit history. This price is always present with the condition "With Approved Credit."

Get approved today - Click the appropriate Financing Application below!

Stuart Location

Okeechobee Location


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