Buy the RV. Skip the 15-year loan.
Class A, Class B, Class C motorhomes. Travel trailers. Fifth wheels. Toy haulers. RV loans run 7-11% over 10-20 year terms, longer than the RV stays in your driveway. A savings club replaces the loan with a flat-fee structure that fits how RVs actually depreciate.
- No down payment
- Flat fee
- New or used
Why traditional financing falls short here.
RV financing is structured around the dealer's desire to make the monthly payment look small, by stretching the term to 15 or 20 years. The result: you're paying interest on an RV long after you've traded up. Compound interest on a depreciating recreational asset is the worst math in personal finance. A savings club ends it.
- RV loans typically run 7-11% APR over 10-20 year terms.
- The RV depreciates faster than the loan amortizes, upside-down for years.
- Many buyers carry RV loans into their next RV purchase, compounding the problem.
- Lender-required full-coverage RV insurance adds $1.5K-$4K/year in soft costs.
- Selling mid-loan triggers prepayment penalties on some products.
HOW IT WORKS FOR RECREATIONAL VEHICLES
Four steps to owning.
- 1
Pick your RV class + value.
Class A, B, C, or towable. Eligible by value bracket.
- 2
Join the club, no down payment.
Monthly contributions only. Total cost set on enrollment.
- 3
Receive your voucher.
Use at any RV dealer or private seller.
- 4
Own it free of upside-down math.
No lien. No 20-year clock. The RV is yours.
A DEFINED FINISH LINE
Equity from day one, not year seven.
The RV depreciates faster than a loan amortizes, so bank buyers spend years upside-down. A savings club replaces the loan with a finite club obligation. Once you use your voucher, the RV is yours with no lien and no 15-year drag.
- Own the RV outright on day one of voucher use. No lien.
- Rent it on Outdoorsy or RVshare once owned, or use it yourself.
- Contributions held in trust at US Bank under JHTC.
WHAT YOU GET
The difference.
Any RV class
Motorhome, travel trailer, fifth wheel, toy hauler, by value bracket.
No down payment
Conserve cash for the trip itself.
Flat fee
No compound interest on depreciating fiberglass.
Defined finish line
Finite club term. No 15-year drag.
Use or rent flexibility
Once owned, rent it on Outdoorsy or use it yourself.
Trust-protected funds
Contributions held in trust at US Bank under JHTC.
THE MATH, SIDE-BY-SIDE
An $80,000 Class C, two ways to pay.
| Traditional financing | Savings.Club | |
|---|---|---|
| Down payment on $80,000 Class C | $8,000 to $16,000 | $0 |
| Total cost over the term | $135,000 to $160,000 | $92,000 to $98,000 |
| Loan term | 10-20 years | Finite club obligation |
| Upside-down window | Years 1-7 typically | None, equity from day one |
| Lien on RV | Yes | No |
Illustrative: $80K Class C motorhome, 15-year loan at 9% vs. flat-fee Savings.Club obligation. Actual savings vary by RV value and term.
QUESTIONS
Common questions.
Yes. Travel trailers, fifth wheels, and toy haulers all qualify by value bracket.
Be first in line.
Join the waitlist and we'll email you the moment this club opens in your state.
Available in TX, FL, MA, and CT.