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| RV Loan Terms | ||||
| Company | Starting APR Range | Minimum Amount | Maximum Amount | Terms (Months) |
| Good Sam | 3.74% – 9.39% | $10,000 | $150,000+ | 60 – 240 |
| GreatRVLoan | 3.99% – 17.95% | $10,000 | $2,000,000+ | 60 – 240 |
| LightStream | 4.29%* – 11.89% | $5,000 | $100,000 | Up to 84 |
Rates and data are current as of December 2021. *=discount with autopay.
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Typical RV loan terms range from 60 months (five years) to 120 months (10 years).
The average RV loan rate on closed loans gained through the LendingTree platform from January 2021 through November 2021 was 6.64% APR.
Because RVs are considered luxury items, a credit score of 700 or above is strongly preferred by RV lenders. Although it is possible to get an RV loan with bad credit.
The best way to get an RV loan is to shop around for the best one. Apply to several lenders of your choice before accepting an offer. The credit bureaus allow a time window of 14 days for consumers to rate shop. Multiple applications won’t reduce your credit score any more than one as long as you do them within two weeks.
The term of 144 months is 12 years; 180 months is 15 years.
You could use an RV loan for camper financing. If the camper doesn’t meet lender requirements for an RV loan — due to age, miles or another factor — you could look at getting a personal loan.
Yes, Bank of America offers RV loans to consumers through partner dealerships. It does not offer RV loans directly to consumers. If you’d like a Bank of America RV loan, you’ll have to apply at a dealership.
