Find the perfect fit for your next RV, boat, travel trailer, ATV, snowmobile, or dirt bike by referring to our rates below.

Term APR as low as1
Up to 60 months 3.24%
61 to 84 months 3.74%
85 to 120 months 4.24%
121 to 180 months 5.24%
¹Annual Percentage Rate (APR). Rates disclosed are the lowest rates available and are determined by your credit score at the time of application. Rates subject to change.

What Is An RV Loan Rate?

An RV loan rate is money paid to a lender for the cost of borrowing up-front money. The rate includes the base interest rate for borrowed money. Annual percentage rates (APRs) include the entire cost of the RV. Fees, closing costs, and other financial considerations are taken into account through the APR.

Factors Impacting RV Loan Rates

Four major factors influence your final RV loan rate. Several of these include credit history, loan terms, type of RVs, and the lender you choose.

Credit History

Your credit history is defined by the amount of credit you have used in the past, as well as the amount of said credit that was paid off completely and on time. The algorithms that calculate these numbers are unique, but the credit designations are easy to understand.

They are:

  • Superprime: 800 - 850
  • Prime: 750 - 620
  • Subprime: < 620

The higher your credit score and the better your credit history is the less APR you will pay on your next RV loan. The interest rate difference may be as much as 10.00%.

Loan Term

A term on your loan is defined as the amount of time you are taking to pay back what you’ve borrowed. At Arbor Financial Credit Union, RV terms range from 60 months to 180 months.

Borrowers taking out money for shorter-term lengths often receive better APR rates and pay less interest over time. Longer-term lengths are considered riskier by financial institutions and are associated with higher rates.

Type Of RV

Newer RVs will cost much less to finance than used ones, despite the upfront difference in cost. Certain vehicles such as ATVs, snowmobiles, and dirt bikes cost more due to their depreciation values and accident rates. It is important to consider what type of RV loan you want before choosing a financial institution.

RV Loan Lender

The largest impact on your RV loan rate comes from the financial institution you choose. For-profit banks and dealerships often charge more due to profit overhead costs. In contrast, credit unions can offer lower interest rates by using a member-run and non-profit operating system.

Get Affordable RV Loan Rates Now!

Competitive RV loans offer much more than low interest rates. It is important to consider your desired term lengths, APRs, and credit history before settling on an option that’s right for you.

Get pre-approved for an RV loan today and secure financing for your next adventure.



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