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The Open Road is Calling.
Finance Your Dream RV.
Whether you are upgrading to a luxury Class A motorhome, a family fifth-wheel, or a nimble camper van, secure low-rate RV financing and start your next adventure.
New, Used & Private Sellers
Finance a brand-new rig straight off the dealer lot, or secure a loan to buy a used RV from a private party on Facebook Marketplace or Craigslist.
Extended Terms Keep Payments Low
Because motorhomes are built to last, specialized RV lenders offer extended terms (up to 15 or 20 years for larger loans) to keep your monthly payment affordable.
Options for Full-Timers
Planning to live in your RV year-round? We connect you with specialized lenders who understand the unique needs and underwriting requirements of full-time RVers.
Check Your Rates
Compare custom rate quotes from top recreational lenders. Checking your options will NOT impact your credit score.
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RV Payment Estimator
RV loans are unique because terms can stretch up to 20 years for larger rigs. Input your targeted purchase price below to find the monthly payment that fits your budget.
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Include taxes, dealer fees, and warranties.
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Recreational lenders typically require 10% to 20% down.
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Projected Loan Costs
Estimated Monthly Payment
$576
Fixed Monthly Cost
Total Loan Amount
$58,500
Amount Financed
Estimated Total Interest
$45,166
Cost of Borrowing
Financing Your RV: Know Your Options
Understand the difference between securing a specialized recreational loan and relying on dealership financing.
| Feature | Secured RV Loan | Unsecured Personal Loan | Dealer Financing |
|---|---|---|---|
| Collateral | The RV itself acts as collateral. | None. Based solely on your signature. | The RV itself. |
| Term Lengths | Long (Up to 15-20 years for large loans). | Short (Usually capped at 5-7 years). | Varies based on their lender network. |
| Interest Rates | Generally lower (due to collateral). | Higher (unsecured risk). | Sometimes marked up by the dealer. |
| Private Seller Purchases? | Yes. Buy from anywhere. | Yes. | No. Must buy from dealer inventory. |
RV Financing FAQs
Yes, but you must disclose this upfront. Standard RV loans assume the vehicle is for recreational use only. If it will be your primary residence, you need a specific "full-timer" loan product, as lenders view full-time occupancy as a slightly different risk profile and usually require specific full-timer insurance coverage.
For new RVs bought from a dealer, an inspection is usually not required. However, if you are purchasing a used RV—especially from a private seller or if the rig is older than 5-10 years—many lenders will require a professional RV inspection and value appraisal before they will fund the loan.
Surprisingly, yes in many cases! According to the IRS, if your RV has basic sleeping, cooking, and toilet facilities, it can qualify as a second home. This means the interest paid on your RV loan could potentially be tax-deductible just like a mortgage. You should always consult a licensed tax professional to verify your specific eligibility.