RV Loan Rates & Financing Terms
Our RV loan rates range from 4.45% 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
(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+ | 4.45 | 4.7 | 4.95 | 4.95 | 4.95 | 5.2 | 5.45 | 5.45 |
| 750-779 | 4.74 | 4.74 | 5.15 | 5.15 | 5.15 | 5.4 | 5.75 | 5.75 | |
| 720-749 | 4.95 | 4.95 | 5.45 | 5.45 | 5.45 | 5.7 | 5.95 | 5.95 | |
| 680-719 | 5.54 | 5.45 | 5.95 | 5.95 | 5.95 | 6.2 | 6.2 | 6.45 | |
| 675-679 | 8.24 | 8.24 | 8.49 | 7.9 | 7.9 | 7.9 | 7.9 | 7.9 | |
| 650-674 | 8.49 | 8.49 | 8.74 | 9.95 | 11.9 | 11.9 | 11.9 | 11.9 | |
| 630-649 | 11.9 | 13.99 | 13.99 | 13.99 | 13.99 | ||||
| 550-629 | 17.95 | 17.95 | 17.95 | 17.95 | |||||
| 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 |
| 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.
Credit Range
550-630
Payment Estimate
$10,000: $180
$20,000: $339
$40,000: $679
$50,000: $803
10% DOWN
$60,000 MAX
Credit Range
631 – 679
Payment Estimate
$10,000: $121
$20,000: $215
$40,000: $380
$75,000: $713
0%-15% DOWN
$100,000 MAX
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
