Finance Department


Toi Hartley

Hey there! My name is Toi, and I'm the Finance Manager for the Stuart location of Florida Outdoors RV. I love my job and enjoy helping people just like you find the right loan to buy an RV. Getting approved for an RV loan is actually not as hard as most people think. I encourage you to read the information I've compiled to learn more about loans and how you can qualify. Whether you’re looking for an RV travel trailer, fifth wheel trailer, Class C RV, or even a used RV, Florida Outdoors RV can help you with the financing you need. Please contact me anytime with your questions!

Toi Hartley (Florida Outdoors RV, Stuart Location)

Financing An RV Travel Trailer

Are you ready to begin your RV lifestyle but feeling unsure about the financial commitment? Florida Outdoors RV understands how exciting the idea of RV travel is, which is why we work hard to help you feel confident in your purchase. Get approved today by filling out a financing application!

Stuart Location financing application
Okeechobee Location financing application

Florida Outdoors RV is one of the best RV dealers in the state and beyond. It is a hassle-free process to choose the perfect RV for your family and finance it with some of the nation's leading lenders. Our finance manager negotiates with banks on your behalf to obtain the best loan terms possible. Our goal is to make the process convenient and easy for you!

A Helpful RV Financing Q&A

What are the advantages of RV financing?
RV loan interest is tax deductible as a second home mortgage.

How long are RV loan terms?
Loan terms will vary depending on the unit’s age and the 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 with no penalty for an early payoff.

What if I have bad credit?
If you've had financial difficulties resulting in a low credit score or poor credit history, owning an RV may be easier than you think. Many people who assume they can not afford an RV may be surprised to learn about the great lending options available. 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 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 the loan amount and term length. Depending on these variables, your payments could be as low as $100 a month. With low rates like this, you can enjoy the RV lifestyle of your dreams without financial worries.

Buying A Used RV

A used RV from Florida Outdoors RV is a great money-saving option when a brand new travel trailer isn’t necessarily what you want or need. We offer used RVs for sale in Florida, but people come from all over the states (even Canada!) to view our selection. Our professional RV technicians complete a thorough pre-delivery inspection so you can feel confident in the quality of our used inventory. 

Why Should I Buy A Used RV?


Many people choose to save money by purchasing a used car, and a used RV is no different.  This leaves them with money to customize an RV and "make it theirs".

History And Reviews

An older RV model is usually going to have more documented history. Thanks to the online community, you’ll be able to find more information on pre-owned RVs than you would find on new ones. Reading reviews about your potential RV purchases can help you make a final decision on the best option for you.

Online reviews can be invaluable when it comes to choosing an RV. There are families, retirees, individuals, friends, and groups of all kinds writing reviews on the internet, so you’re bound to find someone in a similar situation who has fallen in love with an RV that you might just love too. You can also learn important information on RV repair, parts availability, and quirks or features that may only come to light after a few years of use.


Depending on your budget, buying a used RV can mean more money to use for upgrades and design changes! Many people enjoy redoing their RV so that it reflects their personality. It can also be more enjoyable to travel in an environment that fits your tastes and preferences. Florida Outdoors RV has a variety of parts for leveling up your RV.

Here are some ideas for upgrading a used RV to make it feel fresh:

  • Replace the mattress
  • Replace carpet with laminate
  • Install solar panels
  • Switch to LED lighting
  • Replace shower and faucet heads


If you’re an eco-conscious traveler, you probably already have concerns about using an RV due to its environmental effects. Buying a used RV means giving life to a vehicle that may have otherwise sat in a driveway or lot for the rest of its functional life.

Basic Financing Terminology 

Trade Equity: The market value of your trade minus any outstanding current loan payoff.
As a simple formula, 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 850, with higher numbers being more favorable.

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 paid on time
  • Number of recent credit inquiries
  • Record of bankruptcies, liens, judgements, or collections

Interest Rate: The rate charged or paid for the use of money.

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

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

Embrace The RV Lifestyle

Florida Outdoors RV has the best selection of Finance Department! Our financing options are the quickest way to start your RV adventures. Browse our inventory today and contact us if you have any questions about choosing the RV of your dreams.

Get approved today - Click the appropriate Financing Application below!

Stuart Location

Okeechobee Location


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