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INEEDADOWNPAYMENT.com
Find My Options

You found what you want.

Now let’s work on the down payment.

Whether you’re buying an RV, car, boat, motorcycle or something else — answer a few questions and we’ll help match you with available funding resources.

Find My OptionsHow It Works
  • Fast online process
  • Checking options doesn’t obligate you to borrow
  • Multiple potential funding resources
  • Shop for the item you actually want

What do you need a down payment for?

Pick one to get started. It takes about two minutes.

How it works

Four steps, about two minutes

No confusing bank jargon, and nothing you sign before you decide to.

  1. 1

    Tell us what you’re buying

    Answer a few simple questions about the purchase and your situation.

  2. 2

    See potential options

    We check what you told us against the programs available in your state.

  3. 3

    Apply with a provider

    Pick the one that fits and continue on their site. You’re always in control.

  4. 4

    Go shopping

    If approved, use your funds according to that provider’s terms.

The problem, plainly

The gap is usually smaller than it feels

Most people arrive here a few thousand dollars short — not tens of thousands. Knowing the exact number is the first step to solving it.

Calculate my gap

Example

RV price
$38,995
Dealer requires down
$5,000
You have
$1,500
Down payment gap
$3,500
That $3,500 is what we search for. Illustration only — your numbers and available programs will differ.

Your information is protected

No obligation to accept an offer

Multiple potential resources

You choose whether to continue

We don’t display certifications or endorsements we haven’t earned.

Common questions

Answers before you start

What is INeedADownPayment.com?
It is a free matching service for people who have found something they want to buy but need help with the down payment. You answer a few questions, and we show you funding programs and resources that may fit your situation. You decide whether to continue with any of them.
Are you a lender?
No. We are not a lender, a bank, or a credit union, and we do not make credit decisions. We match your information against the programs of participating providers and show you the ones that may be relevant. Every approval, rate, term and funding decision is made by the provider you choose.
Does checking my options affect my credit?
Checking options on this site does not itself pull your credit. What happens next depends on the provider you pick. Some providers begin with a soft inquiry that does not affect your scores; others perform a hard inquiry when you formally apply. Each provider tells you which it does before you complete its application. We cannot promise a specific credit outcome on your behalf.
How much money can I get?
It depends entirely on the provider and on your situation. The programs shown on this site range from a few hundred dollars to tens of thousands. The amount you may qualify for is determined by the provider based on your income, credit and other factors.
What can I use the money for?
That is set by the provider’s terms. Many personal loans can be used for a vehicle or RV down payment; some products carry restrictions. Read the provider’s terms before you accept funds, and confirm with your dealer that the source of your down payment is acceptable to them and to the lender financing the purchase.
How quickly can funding happen?
Some providers make a decision within minutes and can fund the same or next business day. Others take longer. Timelines shown on provider cards come from each provider and are typical cases, not promises.
See all questions

You already know what you want.

Let’s work on the money. Answer a few questions and see what may be available to you.

Find My Options

Checking options does not obligate you to borrow. INeedADownPayment.com is not a lender.