RV Loans

What is an RV Loan?

An RV loan provides financing for the purchase of a new or used recreational vehicle. These loans typically have fixed terms and interest rates, and the RV itself is often used as collateral.

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Why Are RV Loans Important?

RV loans are essential for making the ownership of recreational vehicles more attainable. They provide financial flexibility by allowing purchasers to spread out the cost over time instead of paying the full price upfront. This makes the adventure and leisure associated with boats and RVs more accessible to a broader audience.

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At US-DFS, obtaining an RV loan is streamlined through our quick, 5-minute online credit application. Once submitted, our dedicated team promptly reviews your application, striving to secure the most suitable loan that matches your specific RVing needs.

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Types of RV Loans

• New RV Loans: Great for first-time buyers looking for modern features.
• Used RV Loans: Budget-friendly financing for reliable pre-owned RVs.
• Secured RV Loans: Lower rates when the RV is used as collateral.
• Unsecured RV Loans: No collateral required; flexible but may carry higher rates.

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US-DFS New and Used RV Loan Rates

• Rates: 5.24% – 9.74% APR (based on credit and vehicle details)
• Terms: 36–84 months, or up to 240 months for larger RVs
• Eligible Credit Scores: From 550+, with ideal rates starting around 700+

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What Do You Need to Apply For an RV Loan?

• Good credit score (ideally 700+, but we work with lower scores too)
• Reasonable debt-to-income ratio
• Net worth/assets to support financing
• RV details (make, model, year, condition, price)

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