RV Loans & Rates for 2022

If you want to hit the road in an RV but don’t have the necessary cash on hand, you’re likely looking at getting an RV loan. LendingTree helps you compare RV loan rates from multiple lenders. It’s fast, easy, and best of all, free.

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Current RV loan rates and terms

Through LendingTree, you could find new and used RV loans, including RV loans for motorhomes, fifth-wheels, travel trailers, pop-up campers and toy haulers. If you currently have an RV, we can even help you with RV refinancing. See some RV loan rates below and use the RV financing calculator to estimate your monthly payment.

RV Loan Terms

CompanyStarting APR RangeMinimum AmountMaximum AmountTerms (Months)
Good Sam4.24% – 9.99%$10,000$2,000,000+60 – 240
GreatRVLoan3.99% – 17.95%$10,000$2,000,000+60 – 240
Southeast Financial 5.49% $10,000$100,00060 - 240
LightStream4.49%* – 11.89%$5,000$100,000Up to 84

Rates and data are current as of March 2022. *=discount with autopay.

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RV loan FAQ

What are the typical RV loan terms?

Typical RV loan terms range from 60 months (five years) to 120 months (10 years).

What is the average RV loan rate?

The average RV loan rate on closed loans gained through the LendingTree platform from January 2021 through November 2021 was 6.64% APR.

What credit score do you need to buy an RV?

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.

What is the best way to get an RV loan?

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.

What are 144 months and 180 months in years?

The term of 144 months is 12 years; 180 months is 15 years.

Where can I get camper financing?

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.

Does Bank of America offer RV loans?

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.

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