Pick your RV class + value.
Class A, B, C, or towable. Eligible by value bracket.
Recreational Vehicle Savings Clubs
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.
See My Buying PowerWhy 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 vehicle savings clubs.
Join the club, no down payment.
Monthly contributions only. Total cost set on enrollment.
Receive your voucher.
Use at any RV dealer or private seller.
Own it free of upside-down math.
No lien. No 20-year clock. The RV is yours.
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.
Metric
Traditional financing
Savings.Club
Down payment on $80,000 Class C
$8,000 – $16,000
$0
Total cost over the term
$135,000 – $160,000
$92,000 – $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.
Common questions.
Does this work for towable RVs?
Yes. Travel trailers, fifth wheels, and toy haulers all qualify by value bracket.
Can I rent the RV out?
Yes — once owned, you can list on Outdoorsy / RVshare or use yourself.
What about used RVs?
Yes. Vouchers redeem on new or pre-owned RVs of equivalent value.
Can I trade in my current RV?
Yes. Use the trade-in credit at the dealer alongside your voucher.
Does this work for full-time RV living?
Yes. The voucher acquires the RV; how you use it is your choice.
Ready to see your numbers?
Run the calculator or talk to a Savings Expert about your specific situation.