When it comes to buying an RV that will serve as your family’s home, especially if it’s your first time, the questions and concerns multiply beyond typical purchases. Buying an RV as your primary residence requires understanding financing options that work with credit challenges, delivery logistics for your new home, insurance requirements for full-time living, and ongoing support systems that traditional dealerships simply don’t provide.
For Texas families seeking affordable homeownership alternatives to rising apartment rents, buying an RV represents more than acquiring a rv—it’s achieving the stability and equity-building that comes from owning your home instead of enriching landlords month after month. The process of buying an RV for full-time living involves different considerations than recreational purchases, from floor plan functionality for daily living to financing programs designed for families with credit challenges.
Let’s address the most common questions we receive about buying an RV for full-time living and help you navigate this important housing decision with complete confidence and realistic expectations.
Why Buying an RV From Us Matters!
At RV Depot, we’re more than just a dealership—we’re a family-owned business with over 30 years of experience. With an A+ rating from the Better Business Bureau and a nearly 5-star rating on Google, we take pride in offering top-notch customer service. Plus, when you finance with us, you’ll receive a free warranty. Buying your dream RV should be simple, and with our hassle-free approval process, it truly is.
Buying an RV for full-time living should be straightforward, and with our specialized in-house financing process designed for credit-challenged customers, it truly is.
How Does Financing Work?
Financing has never been more accessible for families with credit challenges. Whether you have excellent credit or you’re rebuilding after bankruptcy, medical bills, divorce, or other financial setbacks, we offer flexible in-house financing options that focus on your current income rather than past credit history.
Myth-Busting Tip: When buying an RV through RV Depot, we evaluate your complete financial situation including income stability, not just credit scores that may not reflect your current circumstances.
Do We Deliver?
Yes! We offer nationwide delivery. Whether you’re just around the corner or across the country, we can handle the entire purchase and delivery process over the phone, so you never have to leave your home. The best part? We deliver anywhere in the U.S., not just Texas.
Do You Have to Have Credit For Buying an RV?
This is one of the most important questions about buying an RV for families who’ve been rejected by traditional lenders. The answer: No, perfect credit is not required for RV Depot’s in-house financing program.
Our Approach:
- No minimum credit score requirements
- Bad credit, no credit, recent bankruptcy all considered
- Focus on current income and stability, not past financial challenges
We specialize in making buying an RV possible for hardworking Texas families regardless of credit situation, because we believe homeownership should be accessible to everyone with stable income and commitment to success.
What Are the Down Payment Requirements?
When buying an RV through our in-house financing, down payments typically range from $3,000 to $7,000 depending on the specific RV you choose and your overall financial situation. With over 400 units in stock across 20+ acres, we have options to fit different budgets and down payment capabilities.
Down Payment Factors:
- Specific RV selected and its value
- Your income level and payment capacity
- Credit situation and financial history
- Trade-in value if applicable
For an accurate estimate when buying an RV, speak with our financing specialists who will provide honest guidance based on your specific situation.
Can You Trade-In Your Current RV?
Absolutely! When buying an RV, we accept vehicle trade-ins to help reduce your down payment requirements. To get started, we need basic information:
- Year, make, and model of your trade-in vehicle
- Current mileage and condition
- Photos showing exterior and interior condition
- Any known mechanical issues or recent repairs
We’ll provide a fair trade-in offer and apply it toward your down payment, making buying an RV more affordable for your family.
How Long Does It Take to Pick Up Your RV?
When buying an RV from RV Depot, timeline varies based on the specific unit:
Move-In Ready Units: Many RVs are ready for immediate occupancy
Preparation Required: Some units need 5-10 business days for:
- Complete inspection and any needed repairs
- Thorough cleaning and sanitization
- Systems testing and verification
- Final quality checks
We’ll provide realistic timelines during your buying an RV process so you can plan your transition from rental housing accordingly.
What If Something Breaks After Purchase?
We’ve got you covered! All towable units that are financed in-house come with a 6-month warranty included. Additionally, we offer extended warranty options for extra peace of mind and protection. Plus, our service department is here to help with anything you might need down the road.
Check out our RV Depot HELP PAGE
Ready to Start Your Journey from Renter to RV Homeowner?
Buying an RV as your primary residence represents one of the most important decisions your family will make—choosing homeownership over rental dependency, equity building over enriching landlords, and housing stability over annual rent increases. At RV Depot, we’ve spent three decades helping Texas families successfully navigate the process of buying an RV for full-time living, and we’re ready to help your family achieve the same success.
At RV Depot, buying an RV isn’t just about completing a transaction—it’s about starting your family’s journey to housing stability, financial security, and the pride that comes from owning your home. We’ve refined our process over 30 years to eliminate the confusion, stress, and disappointment that often characterizes buying an RV through traditional dealerships.
Contact RV Depot today and discover why thousands of Texas families have trusted us to make buying an RV the first step toward escaping rental dependency and achieving successful homeownership that builds wealth for your family’s future.
📍 Visit: 4319 N. Main St, Cleburne, TX 76033 📱 Call or text: (817) 678-5133 💻 Browse Inventory: rvdepottx.com
Questions about full-time RV living? Join thousands of Texans who’ve discovered that home isn’t a place—it’s wherever you park it. Full-Time RV Living Community
Understanding Credit – How It Works 👇
