Aven and Forest River Introduce Industry’s First Co-Branded HELOC

Home equity is already one way some homeowners finance an RV purchase. However, traditional HELOCs can take weeks to get, according to Experian. These long processing times can make HELOCs difficult to use when an RV buyer needs financing at the dealership.

More than 80% of RV owners are homeowners, according to the RV Industry Association. Many RV customers may also have equity in their homes that could be used to finance a large purchase.

Aven and Forest River are making home equity financing more practical for RV purchases with the industry’s first co-branded HELOC.

Aven can provide a pre-qualification offer in as little as three minutes. Qualified customers can access a HELOC in as little as three days. The HELOC is part of a broader set of new financial products for Forest River customers.

Aven and Forest River have three new co-branded credit cards for Forest River customers. The cards can be used to finance an RV, pay for service, parts and accessories, and earn rewards on everyday spending. Here’s how they work.

Why use home equity to finance an RV?

A home equity line of credit can give qualified homeowners another way to finance a large purchase, including an RV.

Home equity can reduce the amount of cash needed at purchase. It can also spread repayment over a longer period, potentially lowering monthly payments, depending on the terms of the HELOC and the amount borrowed.

A HELOC can also give homeowners more flexibility than a traditional RV loan. The line can be used for the RV purchase as well as additional costs, including aftermarket products and service plans.

Three new financial products for Forest River customers

Forest River customers now have new ways to finance purchases, earn rewards and manage everyday spending with the co-branded financial products powered by Aven.

Forest River Homeline Card

The Homeline Card combines a HELOC with a credit card. Qualified homeowners can use their home equity to finance larger RV purchases and earn rewards at Forest River dealerships.

The Forest River Homeline Card¹ offers:

• Home equity lines of credit of up to $400,000
• 3% cash back at Forest River dealerships on up to $50,000 in annual purchases*
• Unlimited 1% cash back on all other purchases*
• Variable APRs as low as 5.99%
• No annual fee and no prepayment fee

There is no required down payment unlike traditional RV financing. The line can also be used for additional costs, such as aftermarket products and service plans, with no restrictions.

Aven can provide a pre-qualification offer in as little as three minutes. Qualified customers can access a HELOC in as little as three days. The line offers a repayment term of up to 30 years, which can mean lower monthly payments.

Forest River Journey Rewards Card

The Journey Rewards Card is a rewards credit card for Forest River customers. It can be used for smaller RV purchases, service and accessory purchases.

The Forest River Journey Rewards Card² offers:

• 3% cash back at Forest River dealerships on up to $10,000 in annual purchases*
• Unlimited 1% cash back on all other purchases*
• No annual fee

Forest River Trailhead Deposit Card

The Trailhead Deposit Card combines a high-yield checking account with a debit card and rewards. It’s designed for everyday banking and spending and doesn’t require homeownership.

The Forest River Trailhead Deposit Card³ offers:

• Debit card linked to a high-yield rewards checking account offering 3.25% APY⁴
• 2% cash back at Forest River dealerships on up to $5,000 in annual purchases*
• Unlimited 1% cash back on all other purchases*
• No monthly account fee

Is an RV loan the only way to finance an RV?

No. Buyers can finance an RV purchase with a traditional RV loan or use their home equity. A HELOC can provide qualified homeowners with another source of funds to purchase an RV.

What should I consider before using home equity for an RV purchase?

Using home equity for a purchase is different from using a traditional RV loan or a credit card. Before you apply, it’s important to understand the terms of the HELOC, including the interest rate, fees and repayment requirements.

Can I earn Forest River rewards without owning a home?

Yes. The Forest River Journey Rewards Card and Forest River Trailhead Deposit Card don’t require homeownership.

The Forest River Homeline Card is a home equity line of credit and is available to qualified homeowners.

Can I use the Forest River credit cards for purchases outside a Forest River dealership?

Yes. Each Forest River credit card can be used for purchases outside Forest River dealerships. The rewards rate depends on the card product and where the purchase is made.

Where are the Forest River credit cards available?

The Forest River credit cards are available through participating Forest River RV and marine dealerships in the United States.

The bottom line

Buying an RV is a major purchase, and home equity can give some homeowners another way to finance it. The new Forest River Homeline Card combines a HELOC with the convenience of a credit card, faster access to funds, and rewards on Forest River purchases and more.

Explore Aven’s Forest River financing and rewards to learn more.

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Aven accounts are arranged by Aven Financial, Inc., dba "Aven" (or "AvenCard" in AR, ID, and PA). NMLS #2042345. See aven.com/licenses for licensing info.

Aven is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC.

Aven Visa Credit Cards are issued by Coastal Community Bank, pursuant to a license from Visa U.S.A., Inc. Aven accounts are made by Coastal Community Bank, Member FDIC. Equal Housing Lender. NMLS #462289 (NMLS Consumer Access Page). For additional information or complaints to Coastal Community Bank, visit www.federalreserveconsumerhelp.gov. For more information, you can also visit Coastal Community Bank’s privacy policy.

For licensing information, go to www.nmlsconsumeraccess.org

¹ The Forest River Homeline Card is a home equity line of credit featuring fixed rate plans and a variable rate revolving line of credit, each with its own annual percentage rate ("APR"). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section ("Index") plus a margin that takes into account your creditworthiness, collateral value, etc. The Index as of September 25, 2026, was 7.00%. The APR will not exceed 14.99%. Best rates for most qualified borrowers on primary residences. Headline rate available for credit limits of $30,000 or less. The fixed APR for fixed-term plans (aka Aven Simple Loans) is based on your variable APR and other factors at the time you agree to the Aven Simple Loan. The fixed APR will not change during the loan's term. For cash outs and balance transfers, there is a 2.5% fee on the amount transferred. Based on your property's location, there may be recording fees and in-person signing costs, including attorney fees. You are responsible for all recording fees and in-person signing costs, including attorney fees. See Pricing & Terms for details. Terms are subject to change.

If your Aven account is refinancing an existing lien, there is a fee of 2.5% of the total payoff amount of the existing lien. Your account may not be activated until the holder of your existing lien acknowledges receipt of your payoff amount.

Your applicable APR assumes a 0.25 percentage point discount for enrolling in AutoPay within 25 days after account opening and then staying enrolled. You are not required to enroll in AutoPay. See AutoPay Terms & Conditions for more details and restrictions.

² The Forest River Journey Rewards Card features a revolving line of credit and may have fixed rate plans, each with its own annual percentage rate ("APR"). APR is the cost of credit as a yearly rate and does not include costs other than interest. The variable APR for the revolving line of credit is based on the prime rate published by the Wall Street Journal in its Money Rates section (“Index”) plus a margin that takes into account your creditworthiness. The Index as of September 25, 2026, was 7.00%. Best rates for most qualified borrowers. The APR will not exceed 36%. The fixed APR for fixed-term plans (aka Aven Simple Loans) is based on your variable APR and other factors at the time you agree to the Aven Simple Loan. The fixed APR will not change during the loan's term. For initial cash outs and balance transfers, there is a 2.5% fee on the amount transferred. Subsequent cash outs and balance transfers have a 2.5% fee on the amount transferred. See Pricing & Terms for details. Terms are subject to change. Account activation is subject to income and ID verification.

³ Forest River Trailhead Deposit Card accounts are FDIC insured up to $250,000 per depositor through Coastal Community Bank. FDIC insurance only covers the failure of an FDIC-insured bank and is available through pass-through insurance at Coastal Community Bank, if certain conditions have been met.

⁴ An Annual Percentage Yield (APY) of 3.25% is accurate as of Sept. 25, 2026. This amount may change at any time at the sole discretion of the bank.

Interest and cash back available when all of the following conditions are met: a) Direct deposits or recurring deposits totaling over $500.00 are deposited into the account every month via payroll, ACH, FedNow or Visa Direct. b) Direct or recurring deposits are set up within 60 days of opening the account to earn interest or rewards.

* For more details on your cash back, see Cash Back Terms & Conditions. Some restrictions apply.