RV Financing Rates & Terms2020-02-18T21:30:30+00:00

RV Loan Rates & Financing Terms

Our RV loan rates range from 4.24% to 19.99% based on a variety of factors including the amount you are financing, the age and type of RV you are financing, your location, and your credit history.

We offer RV financing terms from 60 months (5 years) up to 240 months (20 years) depending on the amount you are financing, the age of the RV, and your credit history. We offer the longest RV loan term possible, as there are no prepayment penalties with any of our loans. This allows you to pay off your RV loan as quickly as you like while always having the option of the lowest payment.

RV Financing Credit Ranges

RV Loan Rate Sheet
(Rate in Percentages)
  Loan Amount
$150k+ $100k - $150k $75k - $100k $60k - $75k $50k - $60k $25k - $50k $10k - $25k $7.5k - $10k
Minimum Credit Score and Rates
780+ 4.24 4.49 4.74 4.74 4.74 4.99 5.24 5.24
750-779 4.74 4.74 4.99 4.99 4.99 5.24 5.49 5.49
720-749 5.05 5.30 5.55 5.55 5.55 5.80 6.05 6.05
680-719 5.65 5.90 6.15 6.15 6.15 6.40 6.65 6.65
675-679 7.99 7.99 8.24 7.90 7.90 7.90 9.90 9.90
650-674 8.49 8.49 8.74 9.95 11.90 11.90 11.90 11.90
630-649 11.90 13.99 13.99 13.99 13.99
550-629 17.95 17.95 17.95 17.95
Max Term Lengths
Loan Amount Max Term
(months)
$150k+ 240
$100k - $150k 240
$75k - $100k 180-240
$60k - $75k 144-240
$50k - $60k 144-240
$25k - $50k 144-180
$10k - $25k 120-144
$7.5k - $10k 60-84
Unit Age Requirements
Scores Unit Age Considered
680+ Any*
630-679 Any*
575-629 15 years or newer
550-574 12 years or newer
* 10 years or newer recommended for lowest rates

*Prime program rates may be adjusted for lower terms upon request. Rates and terms are subject to change

  • No Tiny Homes or Park Models. No Houseboats or Racing Boats.
  • Approvals Good For 30 Days.
  • RV Loan Calculator.

Credit Range

550-630

Payment Estimate

$10,000: $180
$20,000: $339
$40,000: $679
$50,000: $803

10% DOWN
$60,000 MAX

GET STARTED

Credit Range

631 – 679

Payment Estimate

$10,000: $121
$20,000: $215
$40,000: $380
$75,000: $713

0%-15% DOWN
$100,000 MAX

GET STARTED

Credit Range

680 & UP

Payment Estimate

$10,000: $109
$25,000: $206
$50,000: $344
$75,000: $495
$100,000: $659

0%-20% DOWN
$1,000,000 MAX

GET STARTED
My Financing USA RV Loan Rates & Terms