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When comparing RV loans, use the loan's annual percentage rate, including the interest rate and fees. The loan with the lowest APR is the least expensive.

Online Lenders

Recreational vehicle loans from online lenders are generally unsecured and quick to finance, and you can pre-qualify to check your rate without affecting your credit score.

Many offer unsecured RV or trailer personal loans priced up to $ 100,000, with financing as fast as the same day. APRs start at 4.29% for borrowers with excellent credit (720-850 FICO) and include a small discount for automatic payments.


Banks have competitive rates and terms for RV loans. They generally do not offer prequalification and may require an in-person visit to apply.

Agencies provide guaranteed vehicle financing up to $ 100,000, including RV loans for motorhomes, motorhomes, and travel trailers, with financing in one to two business days. Fee discounts are available to set up automatic payments checking account and to be a customer.

Bank offers guaranteed loans of $ 5,000 to $ 150,000 for new or used RVs, travel trailers, pop-up motorhomes, and motorhomes. You can apply online, by phone, or at a branch.

Bank also offers guaranteed RV loans through dealerships, with $ 10,000 to $ 500,000 and repayment terms of up to 20 years. However, the bank may require a down payment of at least 10% of the dealer's loans.


Financing Your RV: Unsecured Versus Secured Vehicle Loans


Whether unsecured or guaranteed, recreational vehicle loans are repaid in fixed monthly installments, usually over two to 20 years. Compare the potential benefits of financing an RV with an unsecured personal loan or a secured vehicle loan.


Advantages of unsecured loans



Advantages of the secured vehicle loan