Our team researched the best RV loan options available so you can compare lenders in one place.
Fill out a quick form to be matched with lenders that meet your needs. The details you provide are for prequalification purposes only and will not impact your credit score.
Choose a loan from a Bankrate partner and receive your funds to purchase your RV if you qualify.
Borrowers looking to take out a larger loan with a low rate and long repayment term. Loan terms up to 144 months are available.
With Upstart's innovative approach to lending, borrowers with little or no credit may be able to get money to buy an RV. Qualified borrowers could have their loan funded the same day they apply.
Borrowers with bad credit who don't qualify for secured RV loan options or want more flexible repayment term options.
If you qualify for Best Egg's lowest rates, you could drive away in your RV with a rate below 7 percent. Its minimum score also makes it a good choice for borrowers with fair credit.
Good credit customers who want more RV loan investor choices, which the peer-to-peer model offers.
Customers with slightly lower credit scores who want to borrow large loan amounts.
Use Bankrate's loan calculator to see how different loan amounts, terms and interest rates will affect your estimated monthly payments and total interest paid.
It's important to compare multiple lenders to ensure you get the best rate possible. Bankrate's RV loans rate table can help you start comparing some of the top RV lenders in the market. The process of applying for an RV loan is similar to taking out an auto loan, and you may be able to finance through a dealership if a personal loan doesn't suit your needs.
Approval requirements will vary by lender, but most generally require a credit score of 670 or higher, low debt-to-income (DTI) ratio, steady income and positive credit history.
If your score is low, you may qualify for a bad credit personal loan, but the interest rate and fees will be much higher. A cosigner may improve your chances of approval, but it may be better to focus on improving your credit before applying.
Though the cost of an RV ranges anywhere from $10,000 to $1 million, most personal loan limits are $100,000 or less. Use a loan calculator to determine exactly how much you need to borrow, and include costs like sales tax, insurance and immediate maintenance or repair costs.
Use this page to compare the features of many different RV loan lenders. Review the interest rates, loan terms, qualification requirements and product features to determine what lenders fit your needs most.
To get more accurate offers based on your specific information, get prequalified with a few lenders by clicking “See offers” and filling out a brief form. You should also look for additional costs such as origination fees, late fees and prepayment penalties.
Once you pick your best option, follow the lender’s instructions to apply. During the approval process, the lender will ask for additional documents, including proof of identity. If you apply for a secured loan, the lender will also need detailed information about the RV you’re financing. You may also need proof of insurance to get an RV loan. Get a quote from your insurance company to ensure your coverage meets your lender’s needs and fits your budget.
If you take out a secured loan, your funds will be paid directly to the RV dealer. If you choose an unsecured personal loan, in most cases, the funds are paid to your bank account for you to use to buy your RV. Either way, you will need to complete a contract and authorize funding transfers in order to finalize your application.
The average interest rate on a personal loan (often used to purchase an RV) is 12.58 percent as of August 2025, but current unsecured RV loan rates can range from just under 7 percent up to almost 36 percent. If you have fair or poor credit, your interest rate will be higher. You could be eligible for a lower rate if you borrow less money and work to improve your credit before you apply.
The rates listed on this page are unsecured loan rates. Secured RV loan rates may be lower than average personal loan rates, but will largely depend on the lender as well as your finances and credit score.
The higher your score, the better your rate may be. If you have excellent credit, you may be able to get a low-interest personal loan.
A higher loan amount means the lender has more to lose, so they may increase the rate for added protection.
Interest rates may be high for a borrower who has more of their income going toward their debt.
The lender may offer a lower interest rate for loans that will be repaid more quickly.
RV loan terms typically range from six months to 240 months (20 years), though most fall into a range of about two to five years.
When considering your loan term, keep in mind that the longer the term, the more interest you'll pay over the life of the loan. On the flip side, your monthly payment will be lower. Consider the shortest term you can with a monthly payment you can afford.
Like every other type of loan, there are advantages and disadvantages to taking out a secured or unsecured RV loan. Here's what to be aware of before signing your final paperwork.
Personal loan documents to gather before you apply
The most common documents lenders will need to process your loan application.
How to get an RV loan without breaking the bank
Once you qualify, your lender issues you a lump sum to purchase your RV, which you repay in equal monthly payments made up of the principal and interest charges.
How to get a $100,000 personal loan
For more expensive RV purchases, a $100,000 personal loan may be a good fit.
Is buying an RV worth it, or should you just rent one?
If you're on the fence about buying or renting, consider the full costs and how much you will realistically use an RV.
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Finding the right RV loan can mean the difference between worry-free roadtrips and monthly payment headaches. To select the best personal loans for RVs, Bankrate’s team of experts evaluated over 30 lenders. Each lender was ranked using a meticulous 20-point system, focusing on four main categories:
