South & Central U.S. Loan Storefront Guide
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Rec Loans 360

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 60 Google reviews · How we rank ›

4.8(60) 81 composite score See reviews on Google ✓ Google-verified Publishes prices
Mortgage & Home LoansPersonal LoansSame-Day / Fast Approval
Rec Loans 360
Services
Mortgage & Home Loans, Personal Loans, Same-Day / Fast Approval
Reviews
60

What recent reviews say

Most borrowers found the application smooth and approval fast, with staff like David Silva and Tony Aguirre answering calls promptly and explaining terms clearly from start to finish.

However, some flagged rates as steep versus credit union offers, and one dealer faced months of delayed payouts and unexplained fee deductions that nearly harmed their business. Staff responses to complaints felt evasive rather than direct.

Praised for
  • responsive and patient staff
  • transparent fees and clear explanations
  • quick approval process
  • named specialists solve problems well
Watch-outs
  • fees and rates higher than elsewhere
  • funding disputes with dealers
  • poor communication during disputes
fast-approvalhelpful-stafftransparent-feeshigh-interestknowledgeable-agentsquick-fundingpoor-communication
Best for: RV and boat buyers wanting quick approval and straightforward personal service.
Think twice if: Compare rates with your credit union or bank first; rates here run higher than some alternatives. Dealers should clarify payment terms upfront in writing.

Strengths

  • staff answer phones quickly and explain details clearly
  • same-day or fast approval typical
  • cover RV, motorhome, boat, and travel trailer loans

Worth knowing

  • David Silva and Tony Aguirre named as responsive loan officers
  • Staff named: James, Dustin, Colton, Pete Silva, Shaun
  • RV and boat financing are the core services praised
  • One dealer experienced six-month funding delays and unauthorized fee offsets ($17,000 withheld from expected proceeds)

What reviews say by service

Personal Loans
RV and boat financing praised for speed and clear communication; some borrowers noted rates higher than credit unions.
Same-Day / Fast Approval
Approval often same-day or quick; one dealer noted approval extensions without hassle.
Mortgage & Home Loans
Limited evidence; business focuses on RV and boat lending, not traditional home loans.

How it compares

  • Rated 4.8 against a 4.49 average across the 424 mortgage & home loans businesses listed here.
  • Has more Google reviews than 52% of the businesses in this directory.

How we scored this

How We Rank
Star rating 81
Review volume 78
Review recency 100
Review sentiment 64
Profile completeness 100
Verification 30

Rating breakdown

5
57
4
0
3
0
2
0
1
3

Contact

Address
4144 N Central Expy #225, Dallas, TX 75204
Open in Google Maps

Last verified 2026-08-23

Opening hours

Monday
09:00-19:00
Tuesday
09:00-19:00
Wednesday
09:00-19:00
Thursday
09:00-19:00
Friday
09:00-19:00
Saturday
Closed
Sunday
Closed

As listed on Google.

From their website

Services listed
New RV LendingUsed RV LendingRV Loan RefinancingBad Credit RV LoansMotorhome LendingTravel Trailer LendingCamper LendingNew Boat Lending
Published prices
Interest rates
as low as 6.74%

As published by the business on its own website; not independently verified.

Enquire about Rec Loans 360

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Common questions

How quickly can I get approved?
Most borrowers report same-day or fast approval; one customer noted his approval was extended without extra questions when plans changed.
What is your interest rate?
Rates start at 6.74%, though some borrowers found competing rates lower elsewhere. Warranties and fees add to the total cost.
Do you finance RVs and boats?
Yes. They offer new and used RV loans, motorhome and travel trailer financing, boat loans, and refinancing for both. They also serve borrowers with bad credit.

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Last updated 2026-08-23