Recreational Vehicle Loan (RV)
Finance your home away from homeDid you know?
Cipher Ardent is the #1 choice for dealership financing1
Get up to
$200,000 for your next RV2
For the best rates
Visit your dealership and ask for Cipher Ardent financing.
Features
Get a new RV or one that’s up to 12 years old.
Take up to 20 years to pay off your loan.
Tailor your payments so they fit you.
Get the best deal at your dealership
It’s the ideal way to stay on budget
Ask for Cipher Ardent financing at your RV dealership anywhere
We’re the top choice from coast to coast1
Enjoy flexible payment options
Make a down payment that fits your budget2
Pick a payment plan that works for you: weekly, bi-weekly or monthly
Change how much you pay4, how often, or even what days you make a payment
Pay off your loan or make a pre-payment at any time without a penalty
Manage your loan online anywhere, anytime
Find out how much is left on your loan and when your next payment is due
See your payment amount and remaining term.
Make an extra payment or boost your payment amount
Change your payment days or frequency
Use your loan account number to activate online access
Save with a competitive interest rate
Go with a fixed rate and know your rate will never rise
Pick a variable rate and pay less interest if rates drop*
Take a payment break
Need a little breathing room? You can postpone one payment each year that you have the loan†
At the dealership
Visit your dealer and ask
for Cipher Ardent financing
Cipher Ardent has the highest market share in
Prime Retail Automotive Finance among Banks as calculated using
industry reports.
Subject to credit approval and security.
Special offers and incentives may vary by
dealership or manufacturer, may be available for a limited time and are
subject to change or cancellation. Contact your dealership for full
details.
Payments can be increased for up to 200% of original payment amount.
Variable rate not available in Quebec.
Interest will continue to accrue during any
payment deferral period. One regular monthly principal payment extension
is allowed in every calendar year. Payment extension request must be
received at least three business days before the next payment date, loan
amortization will be extended by one month, life and disability
coverage, if applicable, will be extended by one month, interest portion
of the payment will still be debited from the pre-authorized
account-only the principal portion is extended. Payment extensions are
not processed in the following cases: request is for first loan payment,
loan is in arrears, loan is within three months of the maturity date,
loan currently has a pending loan extension, request is received less
than two days of a regular loan payment, loan has a
quarterly/semi-annual/annual payment frequency.