No! All our recommended financing partners offer unsecured personal loans, which means your trailer isn’t held as collateral. Your Evolve trailer is 100% yours from day one—no liens, no restrictions. You can modify it, sell it, or do whatever you want with it. This is a major advantage over traditional RV financing where the lender holds the title until the loan is paid off.

It depends on which lender you choose:

• Fig Financial (Canada): 600+ credit score required
• LightStream (US): 680+ credit score required
• Spring Financial (Canada): 550+ credit score accepted

If your credit score is below 550, contact us directly—we may be able to suggest alternative financing options or help you improve your credit before applying.

Yes! All our recommended lenders allow early payoff without prepayment penalties. This means if you get a bonus, tax refund, or just want to pay it off faster, you can save money on interest with no extra fees. This flexibility isn’t always available with traditional RV financing.

Traditional RV dealership financing has several disadvantages:

• Slower process: Takes weeks instead of hours for approval
• Higher total cost: 15-20 year terms mean you pay much more in interest
• Collateral required: Your trailer is held as security until paid off
• Limited options: Usually only one or two lender choices

Our partners offer unsecured loans with faster approval, shorter terms (saving you money), and immediate ownership of your trailer.

Most lenders require:

• Government-issued ID (driver’s license or passport)
• Proof of income (recent pay stubs or tax returns)
• Bank statements (last 2-3 months)
• Proof of address (utility bill or bank statement)

The entire application process is online, so you can upload documents digitally. No need to visit a branch or mail paperwork.

Yes, but requirements vary by lender:

• LightStream: Accepts self-employed applicants with good credit
• Fig Financial: Requires steady income documentation
• Spring Financial: Most flexible with various income types

Self-employed applicants typically need to provide tax returns from the past 2 years and bank statements showing consistent deposits.

No, we do not! We’ve selected these lenders based on their competitive rates, excellent customer service, and fast approval times, we receive no commission rates. Our goal is to help you get the best financing for your situation.

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This depends on your financial situation:

Consider financing if:

• You want to preserve cash for emergencies
• You can invest the cash at a higher return than the loan rate
• The monthly payments fit comfortably in your budget
• You want to build credit history

Consider paying cash if:

• You have plenty of emergency savings remaining
• You prefer no monthly payments
• The loan interest rate is high relative to your situation
• You’re close to retirement or have variable income

Our team can help you think through what makes sense for your specific situation.

We accept: 

• Cash
• Credit Cards
• Debit
• E-transfers
• Wire Transfers
• Certified Cheques
• Bank Drafts