West Coast Road Trip Ideas

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West Coast Road Trip Ideas in the USA

Many adventurous travelers dream about a U.S. West Coast road trip. The U.S. West Coast offers thousands of miles of windswept beaches and lush forests between Canada and Mexico. Tucked among the natural wonders and beautiful vistas are quaint coastal towns and exciting world-class cities you need to experience to believe.

If you're ready for the adventure of a lifetime, check out this ultimate guide to West Coast of America road trip ideas. Below, you'll discover the top attractions to see on a U.S. West Coast road trip, where to park your RV while on the road and specific West Coast USA road trip routes.

U.S. West Coast Road Trip Ideas

From quirky roadside attractions to magnificent national parks and camping destinations, here are some of the best road trip ideas for the West Coast:

West Coast Roadside Attractions

Nothing brings more joy on a road trip than stumbling across strange landmarks and unique roadside attractions in the middle of nowhere. Luckily, the West Coast is home to numerous roadside sights people make long drives to see each year. If you plan your road trip route around fun roadside stops, the West Coast will be a wealth of amusement for you.

If you plan your road trip route around fun roadside stops, the West Coast will be a wealth of amusement for you.

Here are 10 top attractions to see up and down the West Coast:

  1. Trees of Mystery: Located in Klamath, California, this attraction features unusual attractions, such as two giant statues of Paul Bunyan and his ox, Babe.
  2. Cabazon Dinosaurs: These enormous dinosaur statues in Cabazon, California, are among the most popular roadside attractions in the country. Road trippers of all ages will love stopping to visit Dinny the Dinosaur and Mr. Rex.
  3. Salvation Mountain: This famous sight on the edge of San Diego is a surreal and brightly colored hillside shrine situated in the middle of California's desert country.
  4. Wild Horses Monument: This beautiful sculpture in Quincy, Washington, is dedicated to the state's centennial. If you love wild horses, you have to make a stop to see this collection of iron horses galloping along a ridgeline above the Columbia River Gorge.
  5. Forestiere Underground Gardens: These gardens are an impressively intricate series of underground passageways and subterranean structures. If you'll be anywhere near Fresno, you'll want to stop and explore this charming spot with your family.
  6. Octopus Tree: As the name implies, this old spruce tree in Tillamook, Oregon, is distinctly shaped like an octopus.
  7. The Oregon Vortex: Bring your family by this spooky roadside attraction in Gold Hill, Oregon, but be warned — the laws of physics are allegedly non-existent here due to paranormal activity.
  8. Oregon State Hospital Museum of Mental Health: If anyone in your family is a fan of "One Flew Over the Cuckoo's Nest," you have to stop at this site where the movie was filmed. This museum in Salem, Oregon, now displays artifacts from the movie and archaic therapeutic techniques.
  9. Rosie: Rosie is a massive fish statue in Sekiu, Washington, that has legs and wears tennis shoes, a pink skirt and a bra. If you're into unique roadside attractions, this half-fish, half-human work of art is a must.
  10. Codger Pole: This huge totem pole in Colfax, Washington, commemorates local football players as they appeared in the 1930s when their first game took place. Sports fans of all sorts will appreciate this piece of public art that was dedicated to the rival cross-county teams during their final rematch in 1988.

West Coast National Parks

When you think of West Coast of America road trip ideas, you can't forget to look into national parks. The West Coast features some of the most stunning scenery in the country. If your family enjoys outdoor beauty and spectacular sights, you'll want to stop at as many national parks as you can.

 If your family enjoys outdoor beauty and spectacular sights, you'll want to stop at as many national parks as you can.

Check out the following West Coast national parks to get your fill of natural beauty:

  • Kings Canyon and Sequoia: These stunning national parks are situated next to each other in Southern California. Both parks are filled with awe-inspiring giant sequoias — one of the tallest types of trees in the world — and surrounded by the beautiful peaks of the Sierra Nevada mountains.
  • Joshua Tree: This desert national park near Los Angeles features unique flora and fauna for you to admire. As a playground for the adventurous, Joshua Tree is a trendy destination among climbers, boulders and weekend warriors.
  • Yosemite: If you're in Northern California, you can't miss Yosemite National Park. Yosemite is a granite wonderland filled with some of the sheerest and most striking rock walls in the world. Hikers and rock climbers alike will enjoy the sights and activities Yosemite has to offer.
  • Redwood: Another Northern California treasure, Redwood National Forest is one of the best attractions along the West Coast. Redwood is home to some of the oldest and tallest trees on the map.
  • Death Valley: If you're up for a challenge, this national park in Southern California is one of the hottest and inhospitable places on the planet. Those who can handle the heat will be rewarded with scenes of surreal geology, enormous dunes and majestic mountains. Make sure you pack plenty of water if you plan on visiting this dry and arid spot.
  • Pinnacles: This Northern California national park was designated to preserve a mountainous area full of gorgeous rock formations and a large population of local bats. Visit Pinnacles National Park if you're interested in cave exploration, rock climbing or California Condor viewing.
  • Channel Islands: The Channel Islands National Park in Southern California provides vast ecological diversity, making it the perfect spot for scuba diving, whale watching and hiking. You'll get to explore trails to lighthouses, sea caves and rare pine forests.
  • Lassen Volcanic: This Northern California national park is best known for its active volcanoes and bubbling thermal pools. The park's beautiful combination of lava rocks, lakes, summits and hydrothermal sites makes it one of California's best places to camp.
  • Crater Lake: If you pass through Oregon, make sure you stop at the state's only national park — Crater Lake. This breathtaking spot is home to an astonishingly deep and clear lake situated in a collapsed caldera surrounded by gorgeous mountain peaks.
  • North Cascades: The North Cascades National Park is a vast and wild mountain range commonly referred to as the Alps of the U.S. While hiking the North Cascades, you'll be mesmerized by the deep forested valleys, snow-capped peaks, cascading waterfalls and glistening glaciers. Make sure you check out Diablo Lake for a phenomenal overlook.
  • Mount Rainier: This Washington national park is an alpine paradise home to the highest summit in the Cascades and the largest glaciers in the Continental States. Mount Rainier itself is a dormant volcano that offers some of the best views in Washington.
  • Olympic National Park: Located on Washington's Olympic Peninsula, this national park is one of the most geographically diverse regions along the entire West Coast. From mountains and glaciers to rainforest and rugged coastlines, you can take in multiple dimensions of nature in a single park stop.

If you plan to include some national parks in your West Coast road trip routes, you may want to save some money by purchasing an America the Beautiful National Parks and Federal Recreational Lands Pass. This annual pass covers entrance and basic amenities fees for more than 2,000 federal recreation sites throughout the U.S. If you consider the cost of exploring a national park for the day, you'll see that the pass quickly pays for itself.

West Coast Camping Options

If your family loves a bit of adventure as well as nature, camping is a fantastic way to experience the West Coast. Loading the whole family up into an RV and hitting the road will allow you to see some of the most spectacular West Coast sights without worrying about booking hotels. Camping is also one of the best West Coast family road trip ideas because it lets you go to sleep and wake up in the heart of some of the country's most beautiful landscapes.

Camping is also one of the best West Coast family road trip ideas because it lets you go to sleep and wake up in the heart of some of the country's most beautiful landscapes.

The West Coast offers a wide variety of campgrounds with differing rates and amenities. In general, there are four kinds of campgrounds — private, public, dispersed and backcountry.

  • Private: These large campgrounds provide the most amenities, including showers, communal kitchens and sometimes even onsite restaurants. If your family enjoys the comfort of modern amenities, private campsites are the right choice for you. Keep in mind that this option is the most expensive because it offers more luxuries.
  • Public: Public campgrounds are a bit more basic than private campsites but still provide standard amenities. While public campgrounds are supposed to include running water, bathrooms and electricity, some may not. However, the prices for public campsites are extremely reasonable.
  • Dispersed: Also known as primitive camping or wild camping, dispersed camping refers to camping in an unofficial but legal campsite. Although dispersed camping comes with little to no amenities, it's almost always free.
  • Backcountry: Backcountry camping occurs in wilderness areas and nearly always requires a hike to reach the site. These campgrounds don't include any facilities so you'll have to bring your own food, cooking gear and other camp supplies. Typically, backcountry camping requires having a permit you can get from the nearest ranger station.

When planning your West Coast camping stops, keep in mind most campgrounds fill up quickly, especially those located at national parks. Try to book your campsite in advance to ensure you have a place to stay each night of your trip. Most campgrounds have walk-up sites available, but you'll need to arrive early enough to secure a spot.

West Coast Road Trip Routes

West Coast Road Trip Routes

Check out five of the best West Coast road trip route options below.

1. Pacific Coast Highway

Also referred to as California State Route 1, the Pacific Coast Highway is one of the nation's most famous road trip routes. This marvelous highway spans 600 miles of California coastline from Los Angeles to Mendocino County. In between these points, the highway passes through the picturesque views of Big Sur, the illustrious Golden Gate Bridge and more.

If you're intrigued by the Pacific Coast Highway, here are a few top tips for cruising the California Coast from top to bottom:

  • Start in San Francisco: Before hitting the road, you'll want to check out the iconic Golden Gate Bridge and spend some time walking around the downtown area. Visit the city's Golden Gate Park, which covers over 1,000 acres of grounds and includes a Japanese tea garden, multiple world-class museums, a windmill and a herd of buffalo.
  • Snap photos at Big Sur: Big Sur is one of the most scenic sections of California's coastline. Dotted with rugged mountain peaks and enchanting redwood forests, Big Sur is a natural wonder. Swing by the Bixby Creek Bridge to get an unbelievable ocean view from the aesthetically designed bridge.
  • Stay the night in Morro Bay: This small city on a large bay is home to incredible wildlife, such as sea otters, monarch butterflies and hummingbirds. The Morro Bay State Park offers plenty of opportunities for you to encounter these animals and several trails so you can see the sights while stretching your legs.
  • Sip some California wine:As you continue down the coast, make some stops at the local wineries around San Luis Obispo, Santa Ynez Valley and Edna Valley. After visiting these famous wine destinations, you'll understand why California is so well-known for its vineyards.
Sip some California wine:As you continue down the coast, make some stops at the local wineries around San Luis Obispo, Santa Ynez Valley and Edna Valley.
  • Shop in Santa Barbara: Santa Barbara is the intersection of California's trademark glitzy culture and its casual beaches. You can spend all day lounging on the beach or shop until you drop in the city's exciting arts district. Along with admiring the ocean, you'll have a great time gawking at the impressive mansions scattered throughout Santa Barbara.
  • Surf in the South Bay area: As you keep driving, you'll come across Malibu, Santa Monica and the South Bay area. Make a pit stop to enjoy the area's beautiful beaches and catch a couple of waves. Whether you're a surfing fan or more into sunbathing, the South Bay area will be a welcome stop along your West Coast road trip.
  • Search for stars in Los Angeles: This California cultural hub is a must-see. You'll find endless activities in Los Angeles, old-fashioned food markets, first-class art museums, famous malls and five-star restaurants. You'll also get to experience the many personalities of Los Angeles, from Old Hollywood glamour to modern hipster.
  • Stop at Dana Point: This sunny Orange County city is an excellent place for spotting dolphins and whales. Take a whale-watching cruise or hop on a trail at Dana Point Headlands Conservation Area to see the city's extensive ocean vistas and fascinating fauna.
  • Soak up the sun in San Diego: San Diego is the perfect place to end your California road trip. You can go out with a bang by visiting the city's lively downtown area, SeaWorld and Balboa Park — home to botanical gardens, numerous museums and the San Diego Zoo. If being on the road has tired you out, you can close out your trip relaxing on San Diego's sandy beaches and basking in some rays.

2. Oregon Coast Highway 101

Although slightly less well-known, the Oregon Coast is equally as impressive as the California Coast. The Oregon Coast spans hundreds of miles from Astoria and the Columbia River in the north, down to the border of California in the south. This scenic drive has roadside attractions like historical shipwrecks, towering sea stacks and incredible ocean views.

Although slightly less well-known, the Oregon Coast is equally as impressive as the California Coast.

Whether you're starting from California or Seattle, your trip along the Oregon Coast Highway will include striking coastlines, charming towns, tide pools and plenty of marine life. Some of the best places to pull over include the scenic vistas of Cape Perpetua, Samuel H. Boardman State Scenic Center and the Oregon Dunes, which offers overnight accommodations.

Other popular Oregon Coast attractions include Newport's Yaquina Head Lighthouse, the Astoria-Megler Bridge and Haystack Rock at Cannon Beach. If you're looking for West Coast family reunion road trip ideas, meeting up on the coast of Oregon will be memorable. Essentially, the Oregon Coast is full of adventure and unpredictable weather, so make sure you bring rain gear, beach supplies, hiking equipment and a camera.

3. Washington Cascades Loop

To get the full flavor of Washington's splendid cities, mountains, sights and scenes, you'll likely want to complete the 440-mile Cascade Loop. The route begins in the culturally rich city of Seattle and can be taken north toward Anacortes to connect with the North Cascades Scenic Byway. This 120-mile stretch takes travelers through some of the most dramatic landscapes in Washington.

You'll find incredible hiking trails and the top-rated campsites of North Cascades National Park along the byway. Specifically, Diablo Lake is extremely accessible from the byway and boasts a beautiful lake view. You'll also be able to spot gorgeous glaciers and striking mountain peaks.

The Cascade Loop's southern section passes through additional road trip attractions, such as Leavenworth — a German-inspired area featuring beautiful alpine mountains and lively local cultural festivities. The irresistible charm of Leavenworth draws a multitude of tourists each year and even converts some to residents.

If you're interested in adventurous activities like skiing, hiking or white water rafting, make sure you stop at Stevens Pass. After getting your adrenaline fill, you can take U.S. Route 2 back to Seattle to complete the loop. Try to build some extra time into your itinerary to explore Seattle because you don't want to miss the city's top attractions.

 Try to build some extra time into your itinerary to explore Seattle because you don't want to miss the city's top attractions.

During your tourist days in Seattle, make sure to hit these sites:

  • The Space Needle
  • Pike Place Market
  • The Museum of Pop Culture
  • The Seattle Art Museum
  • Chihuly Garden and Glass Museum

4. Eastern California

The inland portion of California has a diversity of national parklands and natural beauty. Full of shimmering lakes, postcard-worthy peaks and lush forests, the Sierra Nevada Mountains of California are breathtaking. You can start your scenic Eastern California road trip by hopping on Highway 395 to South Lake Tahoe — home of the shimmering Emerald Bay State Park.

Continuing south, you'll run across Mammoth Lakes, which is a prime destination for anyone who loves hiking, mountain biking, skiing or snowboarding. After Mammoth Lakes, make sure you circle back to see Yosemite National Park. Home to North America's tallest waterfall — Yosemite Falls — and a 3,000-foot tall granite monolith known as El Capitan, Yosemite is a crucial stop on any road trip route.

Home to North America's tallest waterfall — Yosemite Falls — and a 3,000-foot tall granite monolith known as El Capitan, Yosemite is a crucial stop on any road trip route.

After you're done exploring Yosemite, make sure you don't miss the mystical snow-capped wonder of Mount Whitney. Mount Whitney is the tallest mountain top within the contiguous United States. Hiking some or all of Mount Whitney is an epic way to wrap up your road trip. If you have some extra time, be sure to check out Kings Canyon and Sequoia National Park — the two sensational parks that sandwich Mount Whitney.

5. West Coast National Parks

If you're feeling ambitious, a national parks tour might be the best route for your West Coast road trip. Among Washington, Oregon and California, you have a nearly endless selection of national parks, state parks, historical reserves and designated wilderness areas to explore.

For the ultimate West Coast national park experience, try following this giant loop:

  • Start in Los Angeles and travel east to Joshua Tree National Park.
  • From Joshua Tree, head up to Death Valley.
  • Go from Death Valley to Kings Canyon National Parks.
  • Make the short drive over to Yosemite National Park.
  • Following Yosemite, keep traveling north to Lassen Volcanic National Park.
  • From Lassen Volcanic National Park, cross over into Oregon to see Crater Lake.
  • On your way up from Crater Lake, stop to check out the Newberry National Volcanic Monument.
  • Continue driving north into Washington to see Mount Saint Helens.
  • After admiring Mount Saint Helens, pop up to another impressive peak — Mount Rainier.
  • Once you've explored Mount Rainier, drive up to North Cascades National Park, which will be the height of your road trip loop.
  • Following the North Cascades, you'll start driving south to Olympic National Park.
  • Keep going south into Oregon to see the dazzling Oregon Dunes National Recreation Area.
  • After the Oregon Dunes, make a stop at the Oregon Caves National Monument and Preserve.
  • Once you've gotten your fill of caves, keep going south into California to Redwood National Park.
  • From Redwood National Park, enjoying driving down the California coast until you reach Point Reyes National Seashore.
  • After resting up at Point Reyes, keep going south to Pinnacles National Park.
  • Proceed from Pinnacles National Park to Channel Islands National Park, the final new destination on your road trip map.
  • Come full circle by driving from Channel Islands National Park to Los Angeles, completing your West Coast National Parks Road Trip.

Apply for an RV Loan From My Financing USA Before Your West Coast Trip

Apply for an RV Loan From My Financing USA Before Your West Coast Trip

If you're planning a West Coast road trip, consider traveling in an RV or campervan so you don't have to worry about packing camping gear or pitching a tent. Instead, you'll have access to all the amenities you need to make your trip even more enjoyable. Plus, you can save money in the long run on expenses like lodging and eating, meaning you can spend more on activities throughout your road trip.

Learn more about your RV loan opportunities from My Financing USA to make financing your RV as easy, convenient and affordable as possible. My Financing USA offers RV loans for both high and low credit scores, so you can find a loan option that meets your needs.

Are you ready to start your RV road trip? Apply for an RV loan from My Financing USA today, or contact us to learn more about your options.

Enjoying a Boat After Retirement

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After a lifetime of working, retiring means focusing on your own happiness. With more free time to pursue your interests, now is the time to relax and fully enjoy life. There are plenty of options your boat purchase after retirement; the key is to find the exact right boat for your needs and preferences. Before you look into a boat financing plan, you need to research what kind of boat to get. Once you have decided on the best boat for you, the next step is to contact your boat loan specialist.

Can I Still Go Boating During the Coronavirus Pandemic?

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In the days of the current pandemic, many may be wondering if it is safe to go on a boating trip. With the proper safety precautions put in place, boating may actually be one of the safest ways to spend time with your family while safely social distancing. Many Americans are looking for ways to buy boats in an effort to take boating trips with their families. Boating is the safe getaway you didn’t know you needed during this unique time.

Why Boating Makes Sense

After months of staying indoors, taking a trip on a boat could be exactly what you need. In addition to the freedom it allows, the fresh air, wind, and sunshine will feel great! Sunshine gives us Vitamin D, which is an essential component for strengthening the immune system. What better way to get your vitamins than through nature?

Aside from getting to your boat, a boating trip itself does not require travel and will not put you at risk of exposing yourself to many other people. Stay close to just your friends or family on the boat and trust that there are miles of open water between you and anyone else.

Here are some tips for you to keep in mind when planning a boating trip with friends or family.

Boating is Great for Small Groups

Depending on the state in which you live, there may be a are a number of limits for how many people constitute a “small gathering.” Small gathering rules apply to boats as well but keeping the number of people in your group small on a boat is easier than one might think. Add to that the ability to maintain a safe distance, and you’ll easily see how being on a boat is the perfect way to socialize safely.

Test Passengers Before They Get Onboard

Now more than ever, it is important to take the necessary safety precautions to ensure health and safety. Before you set off on a boat trip, conduct a thorough assessment of everyone’s health condition. If you have reason to suspect that a family member or friend may have been exposed to COVID-19 or is showing symptoms, speak with them individually. Having a well thought out plan in place for everyone who will be on the boat is essential for ensuring trust, comfort, and safety.

Research the Location

If you have a particular destination in mind, ensure that you know exactly what to expect. Rules may vary depending on your location, research your destination regarding the number of people allowed in a single location, restrictions on movement, and so on.

Wear Masks and Use Sanitizer

Just as you would in any outdoor setting, remember to maintain a strict level of sanitation. This means constantly washing hands, sanitizing, and using a mask to protect others around you. This is particularly important if you are going to interact with other boaters as part of your experience. If possible, minimize interactions with those outside of your social circle. This will lower the risk of transmitting the virus and ensure that everyone stays safe.

If you are considering buying a boat and want the best terms for boat financing, speak to us today at My Financing USA. We search nationwide to get you the best rates, making sure you get the boat of your dreams.

The Different Credit Score Ranges In The RV And Boat World

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RV & Boat Adventurer Resource


WHAT ARE THE DIFFERENT CREDIT SCORE RANGES IN THE RV AND BOAT WORLD?

A credit score ranges from 300, being the lowest, to 850, being the highest. Individuals with low credit scores within the range of 300-569 have a lower chance of getting an RV loan or boat loan approved because they pose a potential risk for defaulting payments, as they fall into the Deep Subprime loan range as a result of bad credit. An individual with a high credit score, however, is more appealing to lenders because they are perceived to be lower risk. Most lenders look for borrowers with higher credit for assets such as RVs and boats because they are considered to be luxury items. However, My Financing USA searches for loan programs for most credit types to help you get approved for a boat or RV loan.

Credit Score Range

If you need to finance an RV or boat, you will need to submit a credit application allowing the company to review your credit history. Your credit history is the most important deciding factor to qualify for such loans, however, every lender has their own set of credit ranges as to what qualifies for a good credit score. Currently, for My Financing USA, the current range is 550 and up in order to prequalify for an RV or boat loan.

Different lenders will normally have different credit ranges. Below is a definition of what credit score tiers look like in general:

  • 300 - 549: Deep subprime (bad credit)
  • 550 - 674: Subprime (below average credit) 
  • 675 – 749: Prime (average-good credit)
  • 750 – 850: Super prime (excellent credit)

With that understanding, you will find that every individual is unique with their financial history. Most RV and boat dealers will avoid doing business with individuals who have a deep subprime or subprime history. Some, like My Financing USA however, expand their target audience by working with individuals who had credit challenges in the past. 

Subprime RV and Boat Loans

Companies who offer subprime credit loans can help finance RV and boats to individuals who have below-average credit scores. Regardless of what your credit range is, My Financing USA matches you with the best RV and Boat loan rates and terms available.

Subprime Advantages -

  • Approval of credit scores as low as 550
  • Available financing options even with a past bankruptcy
  • Stretched out loan terms up to 15 years

Subprime Disadvantages -

  • Restrictions on the type or age of boats you can secure
  • Higher-interest rates
  • Capped loan amounts

Prime RV and Boat Loans

Most companies generally look for individuals who qualify within this credit score range. They will attract buyers for RV loans and boat loans with better interest rates and terms as compared to those in the lower range of the credit score range.

Advantages -

  • Efficient approval on RV and boat loans
  • Lower down payment
  • Lower insurance rate
  • Better interest rates and terms 
  • Better negotiating power
  • Longer loan terms

Ultimately, building your credit score takes time. Moving your credit score from subprime to prime has its advantages and will benefit you in the long run. You will be able to purchase an RV or boat rather than renting one at the best loan rate possible. You will have a better selection of RV and boats as well as spend less money due to lower interest rates. Even if you do have a strong credit score, it is also important to understand the costs of owning a boat or costs associated with owning an RV so that your credit score doesn't suffer from reoccurring costs.

If you are looking to reap the benefits in the high credit score range, you must ensure that you have no bad credit history such as overdue bills and unpaid debts. Whether you are looking to buy an RV or a boat, My Financing USA matches you with the best RV loan rates and Boat loan rates and terms available.

Costs Of RV Ownership

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THE LIFE OF AN RV OWNER: NATURE, UNIQUE EXPERIENCES, AND PRICELESS MEMORIES

If you like to keep active and are fond of the great outdoors, then you are made to be an RV owner. Whenever you travel in your personal RV, you get to create plenty of opportunities to visit new places, meet new people, and go on adventures. Exploring scenic places, chilling on campgrounds, and being around loved ones, helps everyone to relax and create priceless memories together! Before you purchase an RV, it is recommended that you understand the various costs of owning a motorhome for traveling or full-time living. This way, you and your loved ones can make informed decisions and enjoy a smooth RV purchasing process.


Upfront Costs of RV Ownership

A brand-new RV typically costs around the range of $6,000 - $300,000 depending on its size and internal furnishings as well as the make and model.

This is considerably way cheaper than a vacation home or hotel room if traveling is a constant norm for your household, especially over long distances.

Even if you decide to finance your RV, there might be a down payment or monthly upfront payments that should be taken into consideration.

RV Loans Rates & Terms

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Maintenance Costs

Maintenance of an RV comprises various processes like winterizing and regular servicing of tires, toilets, cooling, and heating. These services may cost anywhere between $3,000 to $5,000 per annum. These maintenance costs might also vary depending on if you live in your RV full-time or if you only use your RV for vacations.

Campground Fees

Different campground locations charge a different rate each which can range from as low as $20 to as high as $100. Those private sites which include basic amenities charge at leasy $50. Hence, owners need to be selective in order to stay within their travel budget.


RV Insurance

An RV is not categorized as a dwelling; thus, owners would instead require an automobile insurance. An RV insurance policy may fetch an estimated cost of $2,500 every year for an RV that costs $50,000. This is provided that the owner has a good driving record.

Storage Costs

For the owners of an RV who are not able to store their vehicle within their own premises, external storage becomes a necessity. A single spot may cost around $2,500 per annum depending on the location and space needed.

Costs of Additional Accessories and Equipment

An RV can be equipped with various accessories and equipment such as an external awning, infotainment gadgets, water heater, and more. Prices of these tools vary from item to item, but owners can expect to set aside at leasy $5,000 to $10,000 for the purpose of adding improvements.

Ask My Financing USA About the Costs of Boat Ownership Today!

Always be precise when it comes to working out the budget for your next boat. Do not hesitate to consult with our experienced team at My Financing USA to factor out all the costs involved in owning a boat.

We make it our objective to help our clients realize their dream of being a boat owner. Our past success has shown just how much we value the community and our way of showing appreciation is to provide quality and trusted services. We stay true to our motto of being keen learners who are always on the lookout for great opportunities to help our staff and company grow. We believe in delivering comprehensive expertise at its best.

If you have questions regarding the costs of boat ownership, do not hesitate to contact our expert boat loan specialists today. Simply call us toll free at 855.978.5626 or send an email to hello@myfyusa.com.

Disclaimer: All figures reported above are rough estimates. The cost of purchasing and maintaining a boat varies on a case-by-case basis.

Costs Of Boat Ownership

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THE LIFE OF A BOAT OWNER: FUN, EXCITING, AND REWARDING

Recreational boating is recognized as a constructive outlet for entertainment. It provides boat owners plenty of enriching opportunities for self-discovery and to bond with their loved ones. From waterskiing to fishing to snorkeling, boat ownership gives you the freedom to go on a vacation, anytime you wish. Before diving into the deep end, it is beneficial to be aware of the various costs so that you can better plan your finances and make the process of securing a boat loan smooth and easy as possible.


Upfront Costs of Boat Ownership

A brand new 22-foot boat that can easily be found on rivers and lakes across America has an average cost of at leasy $35,000.

There are other varieties as well which may range around $20,000 to $50,000.

There might be a down payment or upfront payments on the loan that should be taken into consideration even if you do plan on financing your boat.

Maintenance Costs

Maintenance costs per annum are estimated to make up at leasy 10% of the price of the boat. Maintenance includes deck cleaning, hull painting, and sail replacement which can fetch up to $3,000 each year for a $30,000 boat.

Marina Fees

When your boat is not out on the water, it needs to be docked. Thus, harbor space makes up part of your full boat ownership costs. Different boats incur different marina fees which can range from about $3,000 to $15,000 per annum.

Boat Insurance

Every public water spot requires licensing before a boat can be operated. An average boat insurance plan costs roughly several hundred dollars annually which may stretch up to beyond $1,000 for some policies. It all depends on the boat type and accident history of its owner as well as the number of insured within a single policy.

Storage Costs

Boat storage costs an average of $8.25 for every square foot of space and $7.25 for a boat that comes attached with a trailer. Outdoor storage space costs roughly $7.50 for every linear foot that covers a trailer as well.

Costs of Additional Accessories and Equipment

The main accessory of a boat is a trailer which comes with a price range of $2,000 to $5,000. It provides a cheaper alternative to haul your boat to and from the marina. Other related equipment may include entertainment gadgets and cosmetic add-ons which vary in prices.

Ask My Financing USA About the Costs of Boat Ownership Today!

Always be precise when it comes to working out the budget for your next boat. Do not hesitate to consult with our experienced team at My Financing USA to factor out all the costs involved in owning a boat.

We make it our objective to help our clients realize their dream of being a boat owner. Our past success has shown just how much we value the community and our way of showing appreciation is to provide quality and trusted services. We stay true to our motto of being keen learners who are always on the lookout for great opportunities to help our staff and company grow. We believe in delivering comprehensive expertise at its best.

Visit our Rates & Terms for Boat Loans.

Visit our Boat Loan Calculator.

If you have questions regarding the costs of boat ownership, do not hesitate to contact our expert boat loan specialists today. Simply call us toll free at 855.978.5626 or send an email to hello@myfyusa.com.

Disclaimer: All figures reported above are rough estimates. The cost of purchasing and maintaining a boat varies on a case-by-case basis.

RV Dealer Before You Buy

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RV & Boat Adventurer Resource

5 Questions To Ask Your RV Dealer Before You Buy

Purchasing an RV can be confusing and intimidating. It is always best to know what questions to ask before you secure an RV on your own. Purchasing an RV is a major investment and by consulting with your RV dealer, you will have a higher potential of finding the perfect RV catered for your lifestyle. Here are five questions to ask your RV dealer before making a purchase.


What Is Your Camping Style?

Before you enter the dealership, you will need to have an idea of what you will be using your RV, motorhome, travel trailer, or camper for. Are you planning to take your RV for boondocking or hitting the national parks for a vacation trip? Depending on the areas, there could be restrictions regarding RV size. It would be a good idea to research some of the areas you are interested in visiting and then shop for a RV that meets the requirements at those areas. Whether you are looking for a compact RV or something that is top of the line, be sure to complete your research to find on the right size, make and model that fit your needs. 

What is Included in the RV Package?

Unlike purchasing an automobile, RVs may come with several hidden costs. Extra charges for prep fees, document fees, sewer kits, water hoses and a list of several RV features are typically included in the overall price of an RV. For that reason, it is advisable to know what is included in the RV package before agreeing on a handshake with your RV dealer. Now that you are aware of what is in the RV price package, be sure to leave some budget for extra items for the bedroom, kitchen, and dining area.

Is Maintenance Included?

Some Dealers offer maintenance packages with the RV’s they are selling. These packages can help cover repair costs throughout the year. However, if you are buying an RV from an individual you will need to look for options. My Financing USA offers a wide range of services plans.

What is The Warranty Period?

Always remember to ask about the warranty period. Excited RV owners will drive off the lot after their purchase, not knowing their RV protection period against accidents and breakdowns. Some RV dealerships offer warranties that cover manufacturer defects, breakdowns or wear and tear for several years. You can always inquire about an extended warranty plan from My Financing USA.

What Are the Available Financing Plans?

Securing an RV might not be as expensive as you might think. Most RV dealerships offer limited financing plans that are not always affordable to their clients. My Financing USA offers comprehensive RV financing plans with competitive nationwide rates for your convenience. You can inquire about how much deposit is needed and what are the best RV financing loans and interest rates available to you.

Boat Dealer Before You Buy

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RV & Boat Adventurer Resource

5 Questions To Ask Your Boat Dealer/Seller Before You Buy

What are the things you should know before purchasing a boat? Buying a boat is a major commitment and it requires a certain amount of knowledge before committing to one. Careful planning such as choosing the right boat, storing your boat, maintenance and warranty are just a few things to ask your boat dealer before you make the purchase. Here are the 5 questions you can ask your boat dealer before deciding to buy one.


Which Boat Fits You?

There are tons of features a boat can have and finding the right boat that fits your lifestyle can be a challenge. Will you be spending time on your boat with your family or fishing with a couple of buddies? A boat dealer would recommend a boat with larger floor space for fishing trips, or a multi-purpose watercraft that is well-equipped with necessities and is big enough to fit a family of five or larger. Finding a boat that fits your lifestyle is essential in the long run.

New or Used Boat?

Weighing the pros and cons of purchasing new vs used is always a good idea when looking for a boat. Used boats could save money or new boats run a lower risk of mechanical problems. If you find a used boat that fits your needs. My Financing USA can offer extended services plans to help take care of your boat whether it is new or used.

What Are the Available Boat Financing Programs?

Purchasing a new or used boat can be expensive, so potential owners may require boat loans and financing programs. Inquire about the best financing options that boat dealers can offer as well as the lowest interest rates before securing the boat loan. My Financing USA matches you with the best boat loan rates available. Visit our boat loan calculator to consider various payment amounts.

How Long Does It Take to Service a Boat?

When boat owners bring their boats for regular servicing, they would normally expect the boat to be ready in time for the weekend. A reputable boat dealer, Finding a reputable boat repair and service company is very important when it comes to being prepared for owning a boat. Many dealerships or sellers can usually recommend. It is always advisable to do your own research before deciding.

How will you handle winter maintenance and storage?

When boat owners bring their boats for regular servicing, they would normally expect the boat to be ready in time for the weekend. A reputable boat dealer would usually have a short servicing time period where you can have your boat back within a couple of days. Custom added features or performance upgrades can also be done at certain dealerships however, parts on the backorder might take some time to arrive. For that reason, it always advisable to know about the servicing time period before deciding which boat dealer to purchase from.

How Does A Credit Inquiry Affect My Score?

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RV & Boat Adventurer Resource


Having several inquiries can reduce your overall credit score and affect your RV or boat loan approval. Lenders use your credit report to conduct a risk assessment. Inquiries can affect their decision to offer a loan to you. Too many hard inquiries in a short period of time can be concerning to lenders. That's because multiple hard inquiries may add up to numerous new accounts. This may make the lenders feel you are taking on too much debt or having financial difficulties. A credit inquiry would typically remain on your report for 24 months and can cause fluctuations in your credit score.

The Differences Between a Hard Inquiry and Soft Inquiry

My Financing USA RV Dealer Indirect Program

A hard inquiry is when a lender reviews your overall credit report and makes the decision whether to proceed with the loan. This type of credit inquiry will influence your overall credit score as it will be recorded on your credit report.

A soft inquiry is when a lender checks your credit to pre-approve you before you apply. This kind of inquiry does not affect your credit score.

Most dealers and credit companies will “shotgun” your application to many sources, dramatically increasing the number of hard inquiries on your credit. However, My Financing USA always pre-qualifies customers with a soft pull and will only send your application to a lender for a hard inquiry if we have pre-qualified you.

Examples of a soft inquiry:

  • RV loan pre-qualify check
  • Boat loan pre-qualify check
  • Employment background check
  • Pre-approved credit card offers
  • Pre-approved investment loans

Examples of a hard inquiry:

  • Application for RV financing to lenders
  • Application for boat financing to lenders
  • Application for personal loans
  • Application for credit card loans

What Do Credit Loan Companies Look For?

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Loan companies and/or lenders complete credit inquiries before approving or denying loans. If you are looking for financing plans to purchase an RV or a boat, you might want to take a look at the list of guidelines that credit companies look for before they decide to approve a loan for a client.

Opening several credit accounts – Opening multiple credit accounts in a short period of time can be concerning to lenders. Lenders may feel you are taking on too much debt or having financial difficulties. This can decrease your chances of approval for new loans.

Large balances on credit cards – Carrying large outstanding balances on credit cards often makes lenders believe that the individual is not living within their means. Try to keep credit card balances as low as possible, preferably below 30% of maximum limit.

Paying your bills on time – How efficient you pay your bills and installments are important factors that credit companies look for on your credit report. If there is any kind of delays or outstanding debts, it is highly unlikely that lenders would approve new credit loans for you until all unpaid bills are fulfilled.

Income and expenses – Lenders consider clients with a Debt to Income ratio below 40% to be lower risk than those with a higher debt to income ratio. Debt to Income Ratio is the percentage of your debt payments in comparison to your income.

Down payment – Although most lenders require a down payment ranging from 10%-20% of the purchase price. My Financing USA will work to get the lowest down payment possible based on your specific information.

When you are applying for an RV or boat loan, it is always a good idea to review your financials and ensure you are able to take on the new debt and the costs associated with owning a boat or owning an RV. My Financing USA is willing to help you secure the best financing for your RV and/or boat loans.