capital one travel trailer loans

We'll Be Right Back!

Compare the Best RV Loans

RV Loan FAQs
RV Loan Company Reviews
Why You Should Trust Us

Best RV Loans of May 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate personal loans to write unbiased product reviews.

Getting an RV loan is more similar to getting a home loan than an auto loan. They can be large loans that are harder to obtain. However, there aren't nearly as many lenders offering RV loans as there are lenders offering auto loans or mortgages .

Best RV Loans

LightStream RV Loans: Best for competitively low interest rates
Truist RV Loans: Best for large loans
Alliant Credit Union RV Loans: Best for wide range of RV types
Southeast Financial RV Loans: Best for poor credit

Next Step: See if you're prequalified for a loan with no impact on your credit score.

It can take some work to find one. But whether its a small trailer to pulled behind your vehicle or a luxurious Class A motorhome , there's probably a loan for it.

7.99% to 16.64% with AutoPay (Rates vary by loan purpose.)

Undisclosed

$5,000 to $100,000

Check mark icon A check mark. It indicates a confirmation of your intended interaction. TK
con icon Two crossed lines that form an 'X'. TK

8.61% to 10.61%

starts at $10,000

Alliant Credit Union Alliant Credit Union RV Loans

Starts at 7.04%

Up to $300,000

Southeast Financial Southeast Financial RV Loans

Starts at 7.99%

$15,000 to $4 million

RV Loan Frequently Asked Questions

RV loan term lengths vary by lender and the amount you borrow. Larger loans for RVs tend to be longer, but each lender varies on the maximum length of time. It is possible to pay off an RV loan early in many cases. If you think might do so, be sure to avoid lenders with prepayment penalties.

Yes, you can get a 10-year term on an RV loan. RV loans can be much larger than auto loans, and many lenders will give you more time to pay them off.

Some companies offer RV loans for borrowers with bad credit , but you'll probably pay a high interest rate. RVs are luxury items, and loans for RVs already have higher interest rates than car or home loans. They're also generally harder to qualify for as a result. In our research, we found that many RV lenders require a minimum credit score of 700 .

Best RV Loan Company Reviews

RV loans have higher interest rates than auto loans, so we focused on options with relatively low rates to come up with our list of the best options. We focused on RV loans that apply to a variety of RV types and loan amounts. While RV loans generally require higher credit scores than other loan types, we found a good option for poor credit.

Lightstream RV Loans

LightStream is an online lender backed by Truist (Member FDIC) that's known for quick funding and low interest rates on a variety of loan types, including RV loan rates. The bank has also gotten top marks from Insider for personal loans and auto loans . So, it's no surprise that LightStream also offers competitive RV loans.

While this lender doesn't offer massive RV loans — the maximum loan amount is $100,000 — the typical buyer can finance their RV comfortably within this amount and get a competitively low interest rate from LightStream in the process. While some lenders exclude some types of RVs, LightStream is open to most all of them, including trailer-style RVs.

Truist RV Loans

Truist is best for RV loans over $100,000. While that figure seems high, it's probably necessary if you're considering one of the class A or C motorhomes that Truist finances with secured loans — these are generally more expensive RVs.

Truist is best for luxury RV purchases or financing large motorhomes. It's worth noting that Truist's RV loans may require a down payment since they're so large. Truist charges the same rates for both new and used motorhomes, which could be helpful for buyers looking for a used motorhome.

Alliant Credit Union RV Loans

Alliant has a litany of RV types it can finance. The RVs you borrow for must be less than 15 years old and have mileage under 75,000.

Alliant is a credit union, so you need to join Alliant to take out a loan. To qualify, you can work with one of the credit union's partner organizations, be a family member of an Alliant member, or work in a community near the credit union's corporate headquarters in Illinois. If none of those apply to you, you can qualify by joining Foster Care to Success , and Alliant will cover your $5 joining fee.

Southeast Financial RV Loans

Southeast Financial is best for borrowers with poor credit. Other RV loan lenders don't allow borrowers with credit scores below 600 take out a loan, but Southeast Financial welcomes borrowers with poorer credit. Even if you have previous bankruptcies, the lender will still consider you for a loan. Keep in mind that the shakier your financial situation, the higher an interest rate you'll likely pay.

You'll also be able to get any type of RV you'd like with Southeast Financial — you won't have to worry about the restrictions you'll have to keep in mind with other lenders. Provided you have solid credit, you'll be able to borrow up to $4 million, which is a significant amount of money to finance the vehicle you want.

Which RV Lender Is the Most Trustworthy?

The Better Business Bureau, a non-profit organization focused on consumer protection and trust, evaluates businesses using factors like their responsiveness to consumer complaints, honesty in advertising, and clarity about business practices. Here is each company's score:

All of our top picks are rated A- or higher by the BBB. Keep in mind that a high BBB score does not ensure a positive relationship with a lender, and that you should keep doing research and talking to others who have used the company to get the most comprehensive information possible.

None of our top picks have any recent public controversies.

Other RV Lenders We Considered

Bank of America : Bank of America only offers RV loans indirectly through select dealerships. You won't be able to apply online on your own, or purchase outside of a dealership.
Navy Federal Credit Union : Navy Federal's loans for RV purchases start with APRs higher than those found at other lenders.
USAA : A popular option for financing for military families, USAA's interest rates are not the most competitive for RV financing.
US Bank : Interest rates start lower at other banks. Additionally, a 1% prepayment penalty applies if you pay off your loan within a year of opening it.

Other ways to finance your RV purchase

The lenders we've looked at aren't the only way you can get an RV loan. You might want to consider checking with your local credit union to see if they have RV financing available. Oftentimes, credit unions offer these types of loans. If you're a member or are open to joining a credit union, it could be beneficial to find out if it offers RV loans.

Another popular way to finance small RV purchases is with a personal loan . However, these unsecured loans may have higher interest rates than an RV loan. If you can qualify for an RV loan, it's probably your best bet.

How can I get an RV loan?

RV loans are much tougher to qualify for than an auto loan, with most RV lenders requiring a minimum credit score of 700 and requiring large down payments.

There are several things to expect in the process of getting an RV loan once you've found the trailer or motorhome you want to finance.

Gather information on your employment, income, and other loans : Since RV loans can be large, expect to be asked for a lot of info on your income and assets. Like a home loan, some RV lenders ask to see two years of income history and tax returns. You may also need information on where you live and other debts you have.
You'll need an inspection on the RV: Like buying a house, you'll need to have the RV inspected before you're able to get a loan on it. An inspection will likely cost between $150 and $200.
You'll likely need to get a newer RV in order to finance it : Most RV lenders require that RVs are model year 2009 or newer. If you're looking for a vintage RV or trailer, financing might not be ideal. In these situations, you might want to consider waiting until you can pay with cash, or using a personal loan instead.

Why You Should Trust Us: Our Methodology

Insider considered many factors important to RVers, including:

A wide variety of RV types financed: We aimed to find lenders that accepted the most types of RVs, and tried to include lenders that financed both motorhomes and trailers when available.
Interest rates: We compared the best interest rates from each lender, and the whole range if available.
Loan fees: We looked for the lenders that have the lowest fees on RV loans, prioritizing those that have no fees.
Better Business Bureau ratings: All lenders that took top spots in our roundup have A ratings with the BBB.
Nationwide availability: We looked for lenders that had loans available in most states, if not all 50.

See our full ratings methodology for RV loans »

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Main content

Search Search Please fill out this field.

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more .

Best RV Loans for April 2024

Buying a recreational vehicle to enjoy fun family adventures ranks as one of the top goals on many people’s lists. There’s nothing quite like the thrill of traveling to new outdoorsy places, all while having the same comforts of home for when summer thunderstorms kick up or cold shoulder-season temperatures would otherwise have you shivering in your sleeping bag.

RVs are expensive, though. Depending on what you’re looking to buy, you can expect to pay anywhere from $5,000 to $140,000 or more for a new model. That’s where finding the right financing comes into play. We’ve rounded up the best RV loans to help you enjoy more time on the road with less stress.

Best for Low Rates: My Financing USA
Best Credit Union: NASA FCU
Best for Large Used/Refinance Loans: Southeast Financial
Best for Quick Funding: LightStream
Best for Large New Loans: LendingTree

Most of the loans below are secured by vehicles, but you can also use an unsecured personal loan to finance a new or used RV. Rates may be higher and loan amounts may be lower, but you typically have easier applications and more flexibility. See the best personal loans to check your options.

Our Top Picks
My Financing USA
Southeast Financial

LightStream

LendingTree
See More (2)

The Bottom Line

How to Choose

Why You Should Trust Us

Best for low rates : my financing usa.

My Financing USA

Used APR Range: 6.24% - 19.95%
Used Loan Amounts: $10,000 and up
Used Loan Terms : 5–20 years

Among the lowest available interest rates

Low minimum credit score requirement

No mileage limit for used RVs

Lender network offers multiple loan options

Document fee of $495 to $795

Doesn’t offer loans for live-in RVs

My Financing USA operates a lender network, which means it matches you up with a partner lender rather than offering you a loan itself. That’s great because you cast a wider net, making it more likely to land on a good offer. The network offers some of the cheapest RV loan rates around, especially if you have good credit.

If your credit isn’t the best, you may still qualify for a loan because the company accepts people with relatively low scores. But the lower your score, the higher your rate is likely to be.

My Financing USA doesn’t disclose which lenders are in its network, Since it only presents you with one option, it’s hard to know if you’ve already been considered by another lender when you go to shop around.

It charges a document fee that ranges from $495 to $795, which is financed into the loan amount. This is in addition to any other fees your actual lender might charge, like origination fees . Funding can be in as little as 48 hours.

Recommended minimum credit score: 550
Maximum debt-to-income ratio: 50%
States available: All except Alaska and Hawaii
Income: Must have a consistent source
Down payment: May need to make a 10% to 15% down payment depending on credit and lender
Maximum loan-to-value ratio: Varies by partner lender
Maximum accepted mileage: No maximum
Maximum accepted age of vehicle: Not specified
Private-party vehicle purchases allowed: Yes
Vehicles: Cannot be for commercial or full-time use

Best Credit Union : NASA FCU

Used APR Range: 6.84% - 10.04%
Used Loan Amounts: $5,000–$125,000
Used Loan Terms : 3–15 years

Skip-a-payment option

Great rates

Lower minimum loan

No discounts offered

Old vehicles are charged higher rates

No online application

Most credit unions are only open to a small group of people, but NASA FCU allows anyone to join via a membership to the National Space Society. The credit union even covers your first year's dues. After that, you'll have to pay to remain a member of the National Space Society.

You don’t need to be a member to get pre-qualified and to apply for the loan, but you will need to become a member if you’re approved. If you run into tough times, you may also be able to use the credit union's skip-a-payment option to take a month-long break from payments.

These factors, along with its attractive rates and flexible loan terms, help make NASA FCU our top-rated credit union that’s available to the general public.

The biggest downside is that you can’t use a NASA FCU RV loan to buy an RV from a private-party seller. This means you’ll need to stick with the dealerships. Make sure to always pay on time, too, to avoid late fees and damage to your credit.

Minimum credit score: Not disclosed
Minimum income: Not disclosed
Employment qualifications: Not disclosed
Membership requirements: Membership is open to employees or retirees of NASA Headquarters, any NASA Center or Facility, or the National Academy of Sciences; employees or members of any NASA Federal Credit Union partner companies or associations; relatives or household members of a current NASA FCU Member. If none applies, NASA FCU will provide a one-year membership to the National Space Society, which entitles NASA FCU membership.
States available: 50 states and D.C.
Maximum loan-to-value ratio: 100%
Maximum accepted age of vehicle: No maximum
Private-party vehicle purchases allowed: No

Best for Large Used/Refinance Loans : Southeast Financial

Southeast Financial

APR Range: 6.99% and up
Loan Amounts: $10,000–$4,000,000
Loan Terms : Up to 20 years

Loans up to $4 million

Low minimum credit score of 600

Many loan options from partner lenders

No loans for cheaper RVs

Conflicting loan information

Doesn’t offer loan pre-qualification

Southeast Financial is another lender marketplace, serving as a go-between for you and the lender providing the funds for your RV. Compared with most other RV lender networks, Southeast Financial offers the potential for the largest loans for used and refinanced RVs.

Like most other lender networks, Southeast Financial provides very few (and often conflicting) specifics about the loans you might be offered and the lenders it works with.

Southeast Financial may not be a good lender if you want a smaller RV loan since its lowest loan amount is $10,000. However, it makes credit accessible to most people with a minimum credit score of 600. Just be careful not to borrow more than you need, though, lest you end up in more debt than you can handle.

Minimum recommended credit score: 600
Minimum recommended down payment: 10% or more, in most cases
Maximum accepted age of vehicle: 12 years old
Maximum mileage: No maximum
Vehicles cannot be used for commercial purposes
Conversion vans and park models are not eligible for financing

Best for Quick Funding : LightStream

APR Range: 6.99%–15.89%* with autopay
Loan Amounts: $5,000–$100,000
Loan Terms : 2–12 years

Can be used for any RV

Same-day funding available

Stricter credit requirements

Below-average customer satisfaction ratings

LightStream is a popular option for people with good credit looking for a low-cost, speedy personal loan. Although the company markets several loan options, they’re all the same basic loan just repackaged for different purposes.

LightStream loans used to finance vehicles tend to have lower rates than loans for other purposes. That means the RV loan is an unsecured personal loan, which has its pros and cons . Namely, since it’s a personal loan, it means you can use it for whatever type of RV you want.

It is an inexpensive loan. LightStream doesn’t charge any fees at all and it’ll even beat the rate of any identical loan offer by 0.10% (read: personal loans—not secured RV loans). It’s also one of the fastest lenders, wiring the funds into your account if you’re approved and set up the transfer before 2:30 p.m. ET on a business day.

One final downside: the company ranked slightly below average among other personal loan lenders in J.D. Power’s 2023 survey of overall customer satisfaction.

Unsecured loans are typically harder to get than secured loans unless you have good credit, and often come with lower loan limits, shorter term lengths, and higher interest rates too.

Minimum recommended credit score: Good to excellent credit required
Must be the age of majority in your state
Must have a verifiable source of income.
LightStream takes into consideration your credit history, assets, and debt-to-income ratio (DTI)
Maximum accepted vehicle age: No maximum
Maximum loan-to-value ratio: No maximum
Allows private-party vehicle purchases: Yes

Best for Large New Loans : LendingTree

LendingTree

APR Range: 6.99%–higher
Loan Amounts: $5,000–$4,000,000
Loan Terms : 5–20 years

Large new RV loan amounts

Low starting APR

Get offers from several lenders

Not very transparent

May generate a lot of spam

LendingTree is one of the largest loan marketplaces out there, including for RV loans. It has some downsides but is worth considering if you want low rates and a higher-than-normal loan amount for a new RV. You can check rates and terms with a variety of companies, which saves time and gives you an overview of where you stand.

LendingTree doesn't disclose any real details you need to make a good decision about whether to apply or not. That’s particularly bothersome since some of the (undisclosed) lending partners may do a hard credit check on you before you even complete a full loan application with them. The company also has a reputation for generating a lot of spam from potential lenders.

If approved, LendingTree may present you with up to five loan offers, better than similar marketplaces that only come back to you with one.

Recommended minimum credit score: Varies by lender
Qualifications vary by partner lender

If you’re looking for the absolute lowest rates, try using the loan marketplaces My Financing USA and Southeast Financial first to get a good head start on finding the best RV loans—particularly if you have credit score challenges.

If you're short on time and have good credit, LightStream may be your best option for an affordable loan. Finally, if you prefer working with a credit union and aren’t eligible for a better RV loan from a local lender, consider applying with NASA FCU, which accepts anyone as a member.

Guide to Choosing the Best RV Loans

What is an rv loan.

An RV loan is exactly what it sounds like—a loan used to purchase a recreational vehicle, or RV. Although that’s a rather broad descriptor, the term RV generally describes large vehicles used as temporary living quarters for camping and travel, including motor homes, travel trailers, truck campers, etc.

Most RV loans are secured loans, meaning the RV itself serves as collateral for the loan . This makes them very similar to car loans, which are secured by the car you’re buying. Just like with a car loan, if you don’t repay your RV loan, your lender will repossess your RV. Since secured loans have that extra layer of built-in protection for lenders, they’re often more willing to offer lower rates and to approve less creditworthy applicants.

However, there’s one big difference between RV and car loans: RV loans are typically for much longer term lengths, since they’re generally larger loans. (An RV is essentially a big car that you can live in with all the comforts of home, after all.) Since lenders often charge higher interest rates on longer-term loans to begin with—and since you’ll probably pay that higher rate for longer—RV loans tend to be more expensive over the long run than your average car loan.

Check your budget before you purchase an RV to make sure you can afford the loan payments on top of all the other costs, like RV insurance , fuel, park admission, and campground fees.

Understand the Cost of an RV

RVs come with many considerations beyond those of a typical vehicle. For one thing, RVs tend to be much more expensive than cars, with prices ranging from a few thousand dollars to millions of dollars. Luxury RVs often come with additional amenities and internal features to make them comfortable for long-term occupation. When using your RV there may be additional costs to keep in mind, including campground rental and hookup fees.

How to Compare RV Loan Lenders

There are several factors to consider when comparing RV lenders. These include:

Annual percentage rate (APR): The lower the APR, the less you’ll end up paying over time. Shop around with a variety of lenders to find the lowest rates you can get.
Maximum loan amount: RVs can be much more expensive than other vehicles, so you should choose a lender with a maximum amount that meets your needs. Be sure to check the loan-to-value ratio , and make sure any extra costs will be covered.
Loan terms: Because RVs tend to be more expensive, they also often come with longer term lengths. Keep in mind that you’ll end up paying more interest over a longer term, and pay attention to the total cost you’ll end up paying for the loan.
Credit score requirements: Some lenders require borrowers to have a certain minimum credit score. To qualify for the best rates, try to get your credit score as high as possible before applying.

How to Apply for an RV Loan

Applying for an RV loan is similar to the process of applying for a regular car loan . You’ll need to gather some documents and information beforehand, including your name, address, and Social Security number; figure out the type of RV you plan to purchase; and determine how much money you’ll need. Before you apply, you’ll likely need to save up a down payment of at least 10% to 20%.

You should also work to improve your credit score in order to qualify for lower interest rates, especially because RV loans tend to last a long time. It’s a good idea to compare quotes from different lenders in order to make sure you’re getting the best deal possible.

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of auto loan lenders. To rate RV loans, we collected hundreds of data points across more than 15 RV loan lenders, including interest rates, fees, loan amounts, borrower requirements, and vehicle requirements, to ensure that our reviews help users make informed decisions for their borrowing needs.

We used this data to review each company for fees, repayment terms, income requirements, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their needs. Investopedia launched in 1999 and has been helping readers find the best RV loans since 2020.

Frequently Asked Questions

When is the best time to buy an rv.

The best time to buy an RV is after the camping season winds down in most of the country, typically between October and January. That’s when most people are looking to get rid of their current RVs and most dealerships are looking to offer deals during the seasonal lull in sales. RV shows can also be good places to negotiate a bargain with dealers, and these typically happen between January and March each year.

Are RV Loans Tax-Deductible?

RV loans may be tax-deductible. If your RV has dedicated “sleeping, cooking, and toilet facilities,” then you may be able to claim it as a second home for the purposes of taking advantage of the home mortgage interest deduction . It’s best to speak with a tax professional who can advise you on your individual situation.

What Is a Typical RV Loan Payment?

RVs tend to vary in cost more than most cars do, making apples-to-apples comparisons difficult. Here are a few examples of what some RV loan payments might look like, however:

New type A motorhome:

RV price: $100,000
Down payment: 10%
Loan term: 20 years
Monthly payment: $1,185
Total interest paid: $194,427

New travel trailer:

RV price: $30,000
Down payment: 15%
Loan term: 10 years
Monthly payment: $396
Total interest paid: $17,574

Used pop-up trailer:

RV price: $4,000
Down payment: 0%
Loan term: 5 years
Monthly payment: $81
Total interest paid: $866

Are RVs a Good Investment?

No, RVs are not usually seen as good monetary investments. If you get good use out of your RV it can be a good quality-of-life “investment,” but in purely financial terms, RVs aren’t a great investment if you’re hoping to sell one for more than you paid. According to J.D. Power, RVs tend to lose their value quite quickly. Unless you were one of the lucky people able to sell your used RV for a premium during the pandemic RV rush, chances are you’ll have to sell it at a loss when you do eventually part ways with it.

What Are Some of the Costs Associated With Owning an RV?

Owning an RV can be exciting. But, there are certain costs that you'll want to consider before you drive it off the lot. Aside from the purchase price and loan payments (if you finance your RV), you'll want to be mindful of the expenses associated with taxes, insurance, registration, title, storage, parking, fuel, repairs, and maintenance among others. These costs will vary based on your lifestyle and how you intend to use your RV.

Can I Finance a Used RV?

That depends on the lender. Most lenders finance used vehicles, including RVs. But, certain companies do put a cap on the age of the vehicle being financed. Some lenders may agree to finance older RVs but at a price, which means you may end up with a higher interest rate. Make sure you do your research so you get the best deal and more bang for your buck.

How Difficult Is It to Get an RV Loan?

You'll find that applying for an RV and car loan is a similar process. But, being approved is often a different story—especially if you're financing an expensive RV. Lenders may impose stricter restrictions on these vehicles. Be sure to talk to any prospective lenders before you apply so you don't hurt your credit score with too many hard credit inquiries.

Companies We Reviewed

We researched and reviewed 16 lenders to find the best lenders for RV loans you see above on this list. While we write individual reviews for most companies, we do not always write reviews for companies we would not recommend. Below are the companies we researched along with links to individual company reviews to help you learn more before making a decision:

Alliant Credit Union, Bank of America , Bank of the West, Consumers Credit Union , Digital Federal Credit Union, First Tech FCU , GreatRVLoan , LendingTree , LightStream , My Financing USA , NASA FCU, Navy Federal, Southeast Financial Credit Union, Truist, U.S. Bank, USAA.

Maskot / Getty Images

RV Industry Association. " RV Types, Terms, & Prices ."

My Financing USA. " Frequently Asked Questions ," Click "What Are Your Rates and Terms?"

My Financing USA. " Get RV Loans and Boat Loans From My Financing USA ."

My Financing USA. " My Financing USA Loan Application Terms & Conditions ."

My Financing USA. " Frequently Asked Questions ," Click "What Are the Minimum Application Requirements?"

My Financing USA. " Frequently Asked Questions ," Click "Do You Offer Programs With No Down Payment?"

NASA Federal Credit Union. " We Keep Adventurous Travelers On-the-Go ."

NASA Federal Credit Union. " Welcome to a Brighter Financial Future ."

Southeast Financial. " Motorhome Financing and Loans ."

Southeast Financial. " Below Are Several Questions That We Often Hear From Prospective Customers and Our Answers ," Click "What Amount of Money Will You Finance?"

Southeast Financial. " Below Are Several Questions That We Often Hear From Prospective Customers and Our Answers ," Click "What Are Your Loan Terms?"

Southeast Financial. " Below Are Several Questions That We Often Hear From Prospective Customers and Our Answers ," Click "What Kind of Credit Do I Need To Meet Your Loan Requirements?"

Southeast Financial. " Loan Tips To Maximize the Benefits From Your Recreational Vehicle Financing ."

Southeast Financial. " Below are several questions that we often hear from prospective customers and our answers ," Click "Are There Types of Vehicles That You Do Not Finance?"

LightStream. " RV and Motorhome Loans ."

LightStream. " Rate Beat Program ."

J.D. Power. " Fintech Lenders Gain Traction As Consumer Loan Satisfaction Increases, J.D. Power Finds ."

LendingTree. " Current RV Loan Rates and Terms ."

RV Life. " When Is the Best Time to Buy a Camper? "

Internal Revenue Service. " Home Mortgage Interest Deduction ."

J.D. Power. " How Much Do Campers Depreciate? "

RV Magazine. " Will RV Prices Go Down or Will They Stay High? "

Terms of Service
Editorial Policy
Privacy Policy
Your Privacy Choices

Search Search Please fill out this field.
Personal Loans

Best RV Loans of 2024

My Financing USA, NASA FCU, and Southeast Financial stand out for RV financing

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more .

The best RV loan to help you finance your motorhome or recreational vehicle will depend on your financial situation and your personal preferences. The cost of an RV can be intimidating. Depending on whether you opt for a towable or motorized vehicle and the class of vehicle you choose, the average cost can range from $5,000 for a small folding camping trailer to $140,000 for a type A motorhome. Compare the best RV loans to find one that's right for your credit score, offers fast funding, covers the cost of your new RV, and more. To help you find the right loan for your needs, we identified the best RV loans based on their rates and fees, loan amounts, repayment terms, and vehicle requirements.

Best for Poor Credit: My Financing USA
Best Credit Union: NASA Federal Credit Union
Best for Large Used Loans: Southeast Financial
Best for Fast Funding: LightStream
Best Loan Marketplace: LendingTree

Unsecured personal loans are another option if you need to finance an RV, although loan amounts may be lower than what you’ll find with RV loans. See the best personal loans to check your potential rates and terms.

Our Top Picks
My Financing USA

NASA Federal Credit Union

Southeast Financial

LightStream

LendingTree
See More (2)

Final Verdict

How to Choose
Methodology

Best for Poor Credit : My Financing USA

My Financing USA

Used APR Range: 6.24%–19.95%
Used Loan Amounts: Must be above $10,000
Used Loan Terms : 5 to 20 years

Lowest interest rates among top lenders we reviewed

Low credit score requirement of 550

Long loan terms available

Offers refinancing and purchase loans

High loan minimum

Document fee of $495

Application and approval process can take days to complete

We chose My Financing USA for the best RV loans for bad credit because it scored highly in our analysis and it has the lowest credit score requirement of all the lenders we evaluated.

While some other lenders require borrowers to have good to excellent credit, My Financing USA has a credit score minimum of just 550. Plus, you can qualify even if you have declared bankruptcy in the past, a rarity for RV loans (but multiple or open bankruptcies may be disqualifying).

My Financing USA works with a set of partners to offer loans for new and used RVs, and you can also refinance existing loans. You can purchase RVs from dealerships or private parties.

Your loan must be above $10,000, which is higher than some lenders' minimums. My Financing USA’s loan process can also take longer. According to the company, same-day decisions are possible, but other factors can cause it to take longer.

Recommended minimum credit score: 550
Maximum debt-to-income ratio: 40% to 50%
You must have a consistent source of income.
Borrower must be living in Delaware, Indiana, Kentucky, Maryland, Michigan, Ohio, Virginia, or West Virginia.
Maximum loan-to-value ratio: Varies by partner lender
Maximum accepted mileage: Not disclosed
Maximum accepted age of vehicle: Not disclosed
Private-party vehicle purchases allowed: Yes
Vehicles cannot be used for commercial or full-time use.

If you intend to make your RV your primary residence, be aware that the majority of RV loan lenders won’t lend to full-timers. You’ll have to find a lender that offers loans specifically for full-time RV use, such as Alliant Credit Union , or use a personal loan .

Best Credit Union : NASA Federal Credit Union

Used APR Range: 7.09%–10.29%
Used Loan Amounts: $5,000–$125,000
Used Loan Terms : 3–15 years

Low loan minimum

Membership open to the general public

Offers purchase loans and refinancing options

Cannot apply online

Higher rates for older vehicles

Shorter loan term maximums

When you’re shopping for a loan, a credit union can be an excellent place to start. As nonprofit organizations, they often have lower rates than banks and other financial institutions. However, credit unions often restrict their membership to certain groups.

NASA Federal Credit Union’s membership is open to the general public—one reason why it's our choice for the best credit union for RV loans. NASA FCU has good rates and a low loan minimum, and it offers both purchase loans and RV loan refinancing.

However, NASA FCU does not allow you to apply for a loan online. Instead, you have to visit a branch in person or call its customer service center.

Though NASA FCU has competitive rates for its RV loans, be aware that the older the vehicle, the higher the rates:

Vehicles from model years 2019 through 2014: One percentage point higher
Vehicles from model years 2013 and older: Two percentage points higher
Minimum credit score: Not disclosed
Minimum income: Not disclosed
Employment qualifications: Not disclosed
Membership requirements: Open to NASA employees, eligible employees of other organizations, members of the National Space Society (NSS), and relatives of members (NSS membership varies from $40/year to $62/year, and NASA FCU will pay for the first year)
States available: 50 states and D.C.
Maximum loan-to-value ratio: Not disclosed
Maximum accepted mileage: No maximum
Maximum accepted age of vehicle: No maximum
Private-party vehicle purchases allowed: No

Best for Large Used Loans : Southeast Financial

Southeast Financial

APR Range: 6.99% and up
Loan Amounts: $10,000–$4,000,000
Loan Terms : Up to 20 years

Very high loan maximum

Low credit score minimum

$10,000 loan minimum

Limits on older vehicles

Low mileage restrictions for refinancing

Motorhomes and RVs can be significant investments. Motorized type A motorhomes average $100,000 to $140,000, but more luxurious versions can be in the seven figures. Some RV loan lenders have fairly low loan maximums of $150,000 or less for used vehicles, which is why Southeast Financial is our pick for the best lender for large used loans.

With Southeast Financial, you can finance up to $4 million to purchase your dream RV or motorhome, and the lender will finance used vehicles that are up to 12 years old. Depending on your credit and the loan amount, you may have as long as 20 years to repay the loan.

Southeast Financial does have a minimum loan of $10,000. And if you intend to refinance your existing RV loan, your vehicle must have fewer than 90,000 miles.

Southeast Financial doesn’t disclose its minimum income criteria, but you must meet these other requirements:

Minimum recommended credit score: 600
Minimum recommended down payment: 10%
Maximum accepted age of vehicle: 12 years old
Vehicles cannot be used for commercial use.
Conversion vans are not eligible for financing.

Best for Fast Funding : LightStream

APR Range: 6.99%–15.89%* with autopay
Loan Amounts: $5,000–$100,000
Loan Terms : 2–12 years

Quick loan funding

No vehicle restrictions

Unsecured personal loans

Relatively short loan term maximum

Relatively low loan maximum

Good to excellent credit required

When you find a great deal on a used motorhome or RV, you may not have time to wait for a traditional RV loan lender to review your application. That’s why LightStream is the best for fast funding; you can borrow up to $100,000 and receive the money as soon as the same day you apply.

LightStream can fund the loan the same day if you apply on a business day, your application is approved, and you review and sign the agreement and provide bank details by 2:30 p.m. ET.

LightStream’s loans are unsecured, so it doesn’t have any age or mileage restrictions; it's worth exploring because its rates for RV loans (and other auto loans) are lower than for most other purposes.

Good to excellent credit is required to qualify for a loan, and LightStream has shorter loan term maximums than other lenders. But for those who need $100,000 or less quickly, it can be a good choice.

Minimum recommended credit score: Good to excellent credit required (typically 680, but may vary)
You must be the age of majority in your state.
You must have a verifiable source of income.
LightStream takes into consideration your credit history, assets, and debt-to-income ratio (DTI).
Available in all 50 states and Washington, D.C.
Maximum accepted vehicle age: No maximum
Maximum loan-to-value ratio: No maximum
Allows private-party vehicle purchases: Yes

Best Loan Marketplace : LendingTree

LendingTree

APR Range: Starting at 6.99%
Loan Amounts: $5,000–$10 million
Loan Terms : 60-240 months

Highest loan maximum

0% down payment options

Rates vary by lender

Most lenders will not lend to full-timers

Processing fees may apply

When nothing but the latest, most luxurious RV model will do, LendingTree is an excellent place to find a loan. It connects you with partner lenders that offer financing up to $10 million, as high as any lender we evaluated.

LendingTree’s partners are flexible, with loan terms as long as 20 years, and some partners have 0% down payment options. You can check rates and terms with several lenders at once, saving some time and hassle. Just be aware that LendingTree only has a select number of partners, and it’s probably worth your time to explore other lenders as well.

Take note that eligibility requirements, rates, and added fees vary by lender. Mot of LendingTree’s partners will not lend to full-timers, so you’ll probably have to look elsewhere if you intend your RV to be a primary residence.

Qualifications vary by partner lender.

Vehicle restrictions vary by partner lender.

Whether you have your heart set on a vintage teardrop trailer or a posh motorhome, there are many options for RV loans. If you’re dealing with poor credit, My Financing USA is a good first stop. Some lenders, such as NASA FCU or LightStream, offer smaller loans with competitive rates for new and used vehicles. And if you want to shortcut the process and apply with several lenders at once, LendingTree can help you quickly check rates with a few popular lenders.

Guide to Choosing the Best RV Loans

What is an rv loan.

An RV loan is a type of installment loan specifically designed for the purchase of travel trailers, campers, and motorhomes. They are usually secured, so the vehicle serves as collateral , and lenders typically require a down payment.

RV loans usually have much longer repayment terms than car loans . Repayment terms can be as long as 20 years, while car loans usually have terms ranging from two to eight years.

Comparing RV Loans

When shopping for an RV loan, keep the following factors in mind:

Annual percentage rate (APR) : The APR has a significant impact on your total repayment cost. With RV loans the APRs can be into the double digits.
Vehicle restrictions: Many lenders have restrictions on the type of vehicle you can buy, its age, and its mileage. If you’re shopping for an older RV or a high-mileage vehicle, finding a lender may be more challenging.
Repayment terms: Generally, RV loans have repayment terms ranging from 5 to 20 years. A longer repayment term will give you a more affordable monthly payment, but you’ll pay more in interest.
Down payment requirements: Although there are some companies that allow you to finance 100% (or more) of the RV’s price, most RV loan lenders require down payments. The minimum required often ranges from 10% to 25%.
Vehicle use restrictions: Most RV loan lenders only issue loans for vehicles for recreational use; if you intend to use your RV as a primary residence or for commercial purposes, you may have fewer loan options.
Credit requirements: Most lenders require good to excellent credit, but there are some lenders that will accept lower credit scores.

How to Get an RV Loan

Follow these steps to get an RV loan:

Create a budget: RVs can vary in price, starting as low as $5,000 and costing as much as $1 million or more. Make a list of your expenses and income, and see what you can realistically afford to pay each month for an RV. Keep in mind that there are other expenses beyond the purchase price, such as insurance, fuel, and maintenance.
Check your credit: View your credit reports at AnnualCreditReport.com to make sure the information is correct. If there are any issues bringing your score down, dispute them with the credit bureaus.
Narrow down vehicles: Some lenders require you to have a specific vehicle in mind before you can apply, so narrow down your list of vehicles to a few models in your price range.
Submit your information: Fill out the lender’s application, including information about your income; you’ll usually have to consent to a hard credit check .
Wait for approval and disbursement: It can take longer to hear back about an RV loan than it might with other loan types. In fact, it can take a week or more before your loan is ready to close, so don’t be discouraged if you don’t hear back right away. If your application is approved, the lender will work with the dealership to disburse the loan, or you can receive the funds in your bank account if you’re buying from a private party.

Frequently Asked Questions

When is the best time to get an rv loan.

Typically, the spring and summer are the busiest months for RV sales, so deals tend to be scarce. During the fall and winter, demand for RVs drops, so you’re more likely to score a deal. Learn more about how to get the best car loan so you can save money on your next vehicle.

Is RV Loan Interest Tax-Deductible?

In some cases, you can deduct the interest you pay on your RV loan by taking advantage of the home mortgage interest tax deduction . To qualify, your RV has to serve as a second home, and the vehicle usually needs to have both kitchen and bathroom facilities. If you aren’t sure if you’re eligible, contact a tax professional.

What’s a Good Interest Rate for an RV Loan?

Several factors affect the rates on RV loans, but the best RV loans tend to have single-digit interest rates. Getting the best rates on a car loan can take some work, but it’ll pay off.

Are RVs a Good Investment?

From a purely financial perspective, a new RV is rarely a good investment. According to J.D. Power, RVs depreciate by about 20% as soon as they leave the lot. And their fuel and maintenance costs can be significant.

However, you may find that an RV is still a good investment for your family. You may find that an RV allows you to go on inexpensive vacations, or increases how much time you spend together. In those terms, an RV can be well worth the cost.

How We Find the Best RV Loans

The Balance is dedicated to providing consumers with unbiased, comprehensive reviews of auto loan lenders. To rate RV loans, we collected hundreds of data points across 16 RV loan lenders, including interest rates, fees, loan amounts, borrower requirements, and vehicle requirements, to ensure that our reviews help users make informed decisions for their borrowing needs.

Edwin Tan / Getty Images

RV Industry Association. " RV Types, Terms, and Prices ."

My Financing USA. " RV Loans ."

My Financing USA. " Frequently Asked Questions ," Click "What Are Your Rates and Terms?"

My Financing USA. " Frequently Asked Questions ," Click "What Are the Minimum Application Requirements?"

My Financing USA. " Frequently Asked Question ," Select "How Long Does It Take After You Apply."

NASA Federal Credit Union. " Recreational Vehicle Loan Rates ."

NASA Federal Credit Union. " Welcome to a Brighter Financial Future ."

Southeast Financial. " Motorhome Financing and Loans ."

Southeast Financial. " Below Are Several Questions That We Often Hear From Prospective Customers and Our Answers ," Click "What Amount of Money Will You Finance?"

Southeast Financial. " Below Are Several Questions That We Often Hear From Prospective Customers and Our Answers ," Click "What Are Your Loan Terms?"

RV Magazine. " The Most Luxurious RVs for 2022 ."

Southeast Financial. " Motorhome Refinancing ."

Southeast Financial. " Below Are Several Questions That We Often Hear From Prospective Customers and Our Answers ," Click "What Kind of Credit Do I Need To Meet Your Loan Requirements?"

Southeast Financial. " Loan Tips To Maximize the Benefits From Your Recreational Vehicle Financing ."

LightStream. " RV Loans and Refinancing ."

LendingTree. " RV Loans & Rates ."

RV Share. " When Is the Best Time to Buy an RV? "

Internal Revenue Service. " Publication 936: Home Mortgage Interest Deduction (2022) ," Page 4.

JD Power. " How Much Do Campers Depreciate? "

Credit cards
View all credit cards
Banking guide
Loans guide
Insurance guide
Personal finance
View all personal finance
Small business
Small business guide
View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

RV Loan Calculator: Monthly Payments on Motorhomes, Campers and Trailers

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

An RV loan calculator can show what your monthly payments on an RV loan may be, as well as how much you’ll pay in total interest.

Use this RV loan calculator to estimate the cost of financing a new motorhome, camper or trailer.

» COMPARE: Best RV loans

How to calculate RV loan payments

Here’s what to expect from an RV loan. You can adjust the loan amount, term or rate to see different results in the calculator.

Loan amount: This is the amount you expect to borrow. Unsecured RV loans range from $1,000 to $100,000, so the latter is the maximum amount you can enter into this calculator. Secured loans can be more than $500,000. Get an estimate of the RV’s purchase price before you start shopping for a loan so you know which lenders offer large enough loans.

Repayment term: This is how many years you’ll need to repay the loan. Unsecured RV loan terms are usually two to seven years, while secured RV loan repayment terms can be up to 20 years. You can enter any repayment term into this calculator. You’ll pay more interest overall with a longer repayment term, while a shorter repayment term means higher monthly payments.

Annual percentage rate: The annual percentage rate is the interest rate you expect to get plus any fees. The rate you get on an unsecured loan is determined by a mix of your credit score and history, as well as your income and existing debts. With a secured loan, the RV’s age and mileage also factor into your rate.

RV loan calculator

» Learn more about the best RV loans .

Secured vs. unsecured RV loans

The RV you plan to purchase can be used as collateral to secure your RV loan. An unsecured loan does not require collateral.

Secured RV loans are more common at banks and credit unions. These loans may require a down payment, which means cash upfront but a lower loan amount. Because the RV is collateral for the loan, a lender can take it from you if you fail to make payments.

Unsecured loans are mostly found at online lenders. These loans don’t require collateral or a down payment, but may have higher rates than secured loans. Online lenders will typically let you pre-qualify , so you can check your potential rate without affecting your credit score.

Here's what average estimated APRs are on unsecured personal loans, based on FICO score ranges:

Source: Average rates are based on aggregate, anonymized offer data from users who pre-qualified through NerdWallet from March 1, 2024, through March 31, 2024. Rates are estimates only and not specific to any lender. The lowest credit scores — usually below 500 — are unlikely to qualify. Information in this table applies only to lenders with maximum APRs below 36%.

To determine which RV loan is best for you, compare the pros and cons.

Pros and cons of secured and unsecured RV loans

Common questions about rv loans, where can i get an rv loan.

RV loans are available from online lenders, banks and credit unions. Banks and credit unions will be more likely to offer secured loans, which typically have lower rates, but may require a down payment.

How long are RV loans?

RV loan repayment terms vary based on the type of loan and the lender you choose. You can expect terms ranging from two to seven years for unsecured loans. For secured loans, terms can be as long as 15 or 20 years.

How do I apply for an RV loan?

You can apply for an RV loan directly with the lender. Most lenders offer online applications, but you may need to visit a branch to close the loan.

When you apply for the loan , you’ll supply personal information, including your Social Security number and vehicle details if the loan is secured. You may also be asked to supply verification documents like proof of identity, employment and income.

Approval and funding time vary. Online lenders are usually the fastest, with funds available in your account one or two business days after closing the loan.

NerdWallet recommends comparing loans to find the lowest rate and best features for you.

Other loan calculators

Credit score loan calculator : See what rate you could qualify for on a personal loan, based on your credit score.

Debt-to-income calculator : Find out your debt-to-income ratio, which most lenders consider when you apply for a personal loan.

Personal loan calculator : Check estimated interest rates and payments for a personal loan, based on your credit score.

On a similar note...

Does Capital One Do RV Loans?

Many RV owners are looking for an affordable way to finance their recreational vehicles. If you’re one of them, we have some good news: Capital One might be able to help!

In this article, we’ll discuss what Capital One has to offer and how it may benefit you.

Criteria For Capital One RV Loan

First, let’s take a look at the criteria you’ll need to meet to qualify for a Capital One RV loan.

You must be at least 18 years old, a U.S. citizen or permanent resident, and have a valid Social Security number.
You must also have a steady income and good credit history.
Your RV must be a motor home, fifth-wheel trailer, truck camper or travel trailer.
You cannot have an existing Capital One vehicle loan or another type of instalment loan.
Your RV must be 10 years old or newer and worth $35,000 at the minimum.

Capital One Loan Amounts and Terms

Now that we know the basics, let’s take a look at the loan amounts and terms you can expect from Capital One.

If you meet these requirements, you could be eligible for a loan amount of up to $100,000. This loan is available for new and used RVs, and you can use it to purchase a motorhome, camper van, travel trailer, or fifth wheel.

You can also use the loan to pay for repairs or upgrades on an existing RV.

The minimum loan amount is $35,000 and the maximum is $100,000. The terms range from 12 to 48 months, depending on the RV’s value.

As for interest rates, it varies based on your credit score and history.

Benefits of a Capital One RV Loan

There are several benefits of using a Capital One RV loan:

The interest rates are very competitive, and they may be lower than what you would find elsewhere.
You can borrow up to $100,000, which is more than most other lenders offer.
The terms are flexible, so you can choose the one that best suits your needs.
Capital One offers fast and easy approval, so you can get the money you need quickly.
There are no prepayment penalties, so you can pay off your loan early if you want to.

If you’re in the market for an RV and want to find a way to finance it, be sure to check out Capital One. Their loans are affordable and available to a wide range of borrowers.

You may be able to get a lower interest rate than what you would find elsewhere, and the terms are very flexible. So, if you’re looking for a reliable way to finance your RV, be sure to give Capital One a try!

FAQs About Capital One Loan for RV

What credit score do you need for an RV loan?

Capital One doesn’t have a set credit score that you need to qualify for an RV loan.

Instead, they look at your credit history and score to see if you’re a good candidate for the loan. They offer loans to borrowers with all types of credit scores, so you have a good chance of being approved if you have a decent credit history.

If you’re not sure what your credit score is, you can get a free credit report from any of the major credit bureaus . This will give you an idea of where you stand and whether or not you’re likely to be approved for a loan.

If you find that your score is lower than you’d like, there are ways to improve it over time. By following some simple steps, you can work on building up your credit score and improve your chances of being approved for a loan.

May Read: Tips of Getting FHA Loan For a Mobile Home?

What is the minimum down payment for an RV loan?

The minimum down payment for an RV loan with Capital One varies based on the vehicle’s value.

For a loan amount of $35,000 or less, the minimum down payment is 10%.
For a loan amount between $35,001 and $75,000, the minimum down payment is 20%.
And for a loan amount of $75,001 or more, the minimum down payment is 30%.

So, depending on the value of your RV, you may need to come up with a down payment of at least 10%, 20%, or 30%. Keep in mind that you can always put down more if you want to.

If you’re not sure how much you need to put down, be sure to speak with a Capital One representative. They can help you figure out what you need to do to finance your RV.

What is the average interest rate on an RV loan?

The average interest rate on an RV loan varies based on your credit score and history. For borrowers with excellent credit, the interest rate may be as low as 4.99%. But for borrowers with average or below-average credit, the interest rate could be as high as 19.99%.

So, it’s important to remember that your interest rate will vary based on your credit score. If you’re not sure what your credit score is, be sure to check it before you apply for a loan. This will give you an idea of what you can expect in terms of interest rates.

Did You Want to Know Mobile Home Interest Rates: Please Click

Conclusion:

If you’re looking for a trusted lender to help finance your new RV, Capital One might be the company for you.

You can find out more information about Capital One loans by reading their FAQ page on their website. If you have any questions, feel free to contact them directly at 1-877-383-4802 or By a live chat with one of their representatives.

Ruby Nicholls

I am a traveling journalist and content creator, in love with the world of Mobile Homes & RVs. I spend my time filling up on new adventures, and sharing them with you so you can feel inspired to travel too! Every experience is different and at the end, we are all tourists of our own lives.

Best RV Loans

We found the best rv loans with the lowest rates are offered by these loan providers: PenFed Credit Union, U.S. Bank, and LightStream

Daniel is a MarketWatch Guides team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K., and Australia, specializing in auto finance and car care topics. Daniel is a MarketWatch Guides team authority on auto insurance, loans, warranty options, auto services and more.

Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance and insurance topics.

Rather than paying cash, most people will probably need to borrow money to purchase a recreational vehicle (RV). However, finding good rates on RV loans isn’t as simple as finding the best auto loan rates , and you don’t have as many options.

However, armed with knowledge of the market and a good loan shopping strategy, you should be able to find a financing option that helps you get the camper of your dreams. We at the MarketWatch Guides Team put together this guide on RV loans to help you understand what you should look for and what you need to know about RV financing.

Key Takeaways :

Lightstream offers the best RV loan rates at a 5.24% starting APR.
RV loan rates range from 5.24%-9.74% for new campers and 6.49%-10.24% for used RVs.
RV loan terms typically range from 3-12 years but can stretch as long as 20 years.

Average monthly savings of $150
Work with a personal loan concierge to compare options
A+ BBB Rating

Save on average $1,200 a year
Skip 90 days of payments
Get qualified online in minutes

Rates as low as 0% on select cars, trucks and SUVs
Free Online Quotes – Get Your CarsDirect Target Price Today
Local dealers compete to provide the best rates for new vehicles

Below-average credit scores accepted
Great interest rates
Smooth and easy online experience

No application fee
Lending platform that partners with banks
Approval and loan terms based on many variables, including education and employment

All APR figures last updated on 3/16/2024 – please check partner site for latest details. Rate may vary based on credit score, credit history and loan term.

Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best possible decision about financing for your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best auto loan companies. We collected data on dozens of loan providers to grade the companies on a wide range of ranking factors. After 300 hours of research, the end result was an overall rating for each provider, with the companies that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

Best RV Loan Companies

In the sections below, we will break down our top picks for RV financing in 2023. We’ve listed the starting APR for each of these lenders, but keep in mind that only borrowers with excellent credit will qualify for these rates.

PenFed Credit Union

Starting APR : 5.24% when using PenFed Car Buying Service, 5.94% otherwise Loan amounts : $500 to $150,000 Loan terms : 36 to 84 months Availability : 50 states Minimum credit score : 650

Pentagon Federal Credit Union, or PenFed, was designed for military members and their families but is now open to the public. After 88 years in business, PenFed has built itself into a fantastic financial institution, as evidenced by its A+ rating on the BBB.

You have to be a member to take advantage of the company’s low auto loan rates, but joining is easy. PenFed also has no prepayment penalty fees, offers preapproval and is a great option for auto loan refinancing .

Starting APR : 9.74% Loan amounts : $5,000 to $150,000 Loan terms : Up to 60 months Availability : 50 states Minimum credit score : Not listed

U.S. Bank offers competitive rates and a vehicle marketplace that makes it easy to browse dealerships. The 160-year-old bank allows you to finance or refinance your new or used RV with loans up to $150,000. To get the best APR, your RV has to be new and your loan term has to be 48 months or less, with an amount higher than $25,000.

Some perks of U.S. Bank include 24-hour customer service, a 0.5% rate reduction discount and no application fees. In our 2023 auto loans consumer survey , U.S. Bank was the third most popular company to borrow from.

We also like that the U.S. Bank online loan application process is quick and easy. With U.S. Bank, you’ll need a credit score of 800 or higher to qualify for an RV loan.

Read more in our full U.S. Bank auto loan review .

LightStream

Starting APR : 8.49% with autopay and 8.99% without Loan amounts : $5,000 to $100,000 Loan terms : 24 to 144 months* Availability : 50 states Minimum credit score : Not listed

The online lending arm of Truist Bank, LightStream offers both auto and RV-specific loans. The company also offers a 0.5% rate reduction as an autopay discount, and its RV loans don’t come with prepayment penalties.

Although LightStream doesn’t specify a minimum income or credit score to qualify for a loan, it does state that applicants need good credit. For LightStream, this means having several years of credit history, a variety of account types, solid payment history and a stable income.

Read more in our full LightStream review .

*Terms vary by loan type.

What Is an RV Loan?

An RV loan is used to finance the purchase of a camper. While some RVs cost $10,000 or less, some can cost upward of $300,000, and others even break $1 million. That means many RV buyers will need to borrow money to purchase one.

Can You Use a Car Loan To Finance an RV?

You can’t use a vehicle loan to finance an RV. That’s because campers are fundamentally different from cars. While they do function as motor vehicles, they’re also much more complicated and have different risk factors than cars do. That’s why some lenders offer loans designed specifically for RVs.

But there are similarities between auto loans and RV loans. Like car loans, many RV loans are secured. That means the loan is backed by something of value — in this case, the camper itself.

Personal Loans for RVs

Depending on your financial situation, a personal loan may be an option for less expensive RVs like teardrop trailers and other small towables. Some lenders may suggest or even require this option.

While personal loans often come with higher interest rates than other RV loans, they do have advantages. For example, many don’t require collateral. In that case, the lender won’t have a lien on your camper and you’ll own the title immediately.

How RV Loans Work

RV financing works much like other types of loans. With RV and other loans, you work with a lender to determine how much you can borrow and what your payment terms are.

There is variation in this lending space, but most RV loans have a few things in common:

Terms : Smaller RV loans might have terms of only two or three years. But loans for bigger, more expensive RVs like Class A motorhomes and fifth-wheel trailers sometimes have longer terms of 10 or 20 years.
Down payment : Most secured RV loans require you to make a significant down payment . Many lenders ask you to put down 10% to 20% of the purchase price to be eligible.
Rates : Most RV loans have a fixed interest rate, so you’d pay the same at the end of the loan term as you would at the beginning. However, you may find financing options that have variable interest rates, meaning your payments could fluctuate over time.

How To Get an RV Loan

The application process for getting an RV loan is similar to the process for other loans. But like other major financial decisions, there is strategy involved in finding the most favorable deal for your situation. Here are seven steps to getting the best RV loan rates.

1. Determine Your Budget

There’s huge variation in the types and prices of RVs. The first step in the loan process should be deciding what you can realistically afford. To do that, you’ll need to take the entirety of your personal finances into account.

Consider your income, then review your fixed expenses, such as home payments and monthly bills, as well as variable expenses like going out to eat. This will help you get an idea of how much disposable income you might be willing to allocate to an RV loan payment.

A financial planner is a great resource to turn to when determining what you should be able to comfortably afford in the form of a monthly payment. Keep in mind that an RV will likely entail other related costs like insurance, maintenance, fuel and storage.

2. Check Your Credit Score

Your credit score is one of the biggest factors in your loan eligibility and the interest rates lenders will offer you. The higher your score, the lower your interest rate is likely to be.

Many banks, credit unions and credit card companies offer free credit score monitoring as a service. But if yours doesn’t, you’re entitled to check your credit score for free once every 12 months. If you’ve already used your free opportunity, you can pay for a subscription to Equifax or TransUnion to check out your score.

Your credit score is an important piece of information to have when you’re shopping for RV loans. That’s because most loan calculators and similar tools require you to know a general range of your score to give you realistic rate estimates.

3. Save Up for a Down Payment

Most lenders will require you to put at least 10% to 20% down to secure a larger loan on a more expensive RV. However, you can always put down more. Doing so doesn’t just reduce the amount you need to borrow, but it can often help you get more competitive rates and pay less in total over the lifetime of the loan as well.

4. Decide on Your Loan Type

Depending on your financial situation and the RV you want to buy, you may have the option to choose between a secured or unsecured RV loan. There are advantages to both loan programs.

A secured loan typically has lower interest rates, since you’re backing that loan with collateral. But with a secured loan, the lender will have a lien on your collateral — in this case, your RV. That means if you fail to make payments, the lender can repossess your camper.

If, on the other hand, you choose an unsecured loan, there’s no collateral needed. That means there won’t be a lien on your RV and therefore no risk of repossession from the lender. You’ll own the title outright right away.

5. Compare Lenders

Once you know your purchase budget, your down payment amount and the type of loan you’re looking for, it’s time to start shopping for a lender. If your current financial institution offers the type of loan you’re looking for, that’s always a good place to start.

Be sure to fill out loan applications, get offers from multiple lenders and compare them before making a decision. In most cases, you’ll have plenty of loan options to choose from. In addition to banks and other traditional financial institutions, there are also online lenders who specialize in RV loans.

Compare more than just annual percentage rate (APR), which is usually the figure you’ll see advertised. It’s important to note that some lenders won’t finance RVs that will be used as full-time residences. There are several other factors you’ll want to consider before choosing a lender:

Origination fees : Some lenders charge higher fees to originate a loan than others. While this can be wrapped into your loan, it is still a cost to consider when you compare.
Late payment penalties : Not every lender penalizes you if you’re late or miss a payment. But some have high fees and may even increase your interest rate if you do.
Prepayment penalties : Paying your RV loan off early can save you a substantial amount of money you’d otherwise pay in interest. But that interest is how lenders make money, so some charge a penalty for paying your balance off before the end of your loan term.
Fixed or variable interest rate : Most RV loans come with a fixed interest rate, which means your rate will stay the same over the lifetime of your loan. But some offer a variable interest rate. In that case, your interest rate can fluctuate with interest rates.

6. Get Preapproval

You don’t need a preapproved RV loan to shop for a camper, yet having one can be an advantage for several reasons:

Budget confidence : A preapproved RV loan gives you a specific, concrete budget. You’ll know exactly how much RV you can afford, helping you narrow down your options.
Negotiating power : With a preapproved loan in hand, you’re a cash buyer in the eyes of the dealership. That gives you a better negotiating position when you’re ready to buy because the dealership gets all the money upfront and doesn’t have to worry about you making monthly payments.
Shopping ability : Getting credit approval guarantees you’re able to get a loan, but it doesn’t obligate you to that loan. So while third-party financing will typically get you better rates, there’s always the chance the dealership has special deals. You can even present your preapproval and ask if the dealership can beat that rate.

7. Buy an RV

With your loan approval in hand, you can now shop for the right RV for you. Check local dealerships and online listings to see what options are available. Always negotiate whatever price you’re offered.

RV Loan Interest Rates and Term Lengths: What to Know

In our research, RV loan interest rates start anywhere from 5.24% to 9.74%. However, these rates are reserved for borrowers with the highest credit scores . Terms typically range from 36 to 84 months for many loans, but in the case of larger loans for RVs, terms extend as far as 240 months or 20 years.

However, the range and variety of terms and rates for RV loans is as diverse as the RV world itself. For smaller, less expensive RVs like travel trailers and pop-ups, lenders may suggest a personal loan. Other lenders have loan products just for RVs.

What Factors Affect RV Loan Rates?

Just like with auto financing, RV loan lenders consider several variables in determining your creditworthiness and rates. Here are some of the most important factors:

FICO ® score : Your numerical credit score is one of the primary factors in determining your rates. Borrowers with good credit scores get access to the lowest rates, while those with lower credit scores usually end up paying higher interest rates.
Credit history : In addition to your credit score, lenders also look at your credit report history. Missed credit card or loan payments, late payments, a high rate of new credit applications and other missteps can all bring your rates up.
Loan-to-value (LTV) ratio : How much you want to borrow compared to how much the RV is worth is also a factor, especially if you’re using it as collateral for the loan. You may see lower rates with a lower LTV ratio.
Debt-to-income (DTI) ratio : Lenders may also look at how much you pay in debts each month compared to your income. A higher DTI may result in higher interest rates on your RV loan. If it’s too high, you may not be able to get one.

How To Get Better Rates on an RV Loan

If you’re not satisfied with the rates you’re offered on RV loans, there are some things you can do that might earn you more favorable ones. While nothing is guaranteed to work, here are a few things worth trying:

Increase your down payment : By increasing your down payment, you’re decreasing the amount of money you need to borrow and decreasing your LTV ratio — both of which may help lower your rates.
Pay off debt : Paying off a big chunk of a credit card or other debt can reduce your monthly debt payments and bring your DTI ratio down. That makes you less of a risk to meet your loan obligations and may get you a better interest rate.
Improve your credit score : Bringing your credit score up takes time and there is no easy fix. But by doing things like reducing your DTI ratio and making all of your loan and credit card payments on time, your score will go up. When it does, you’ll likely get better loan offers.
Shop around : Some lenders specialize in serving different types of borrowers and may be able to get you a better rate. Credit bureaus consider multiple hard credit checks within 30 days as just one hard credit check. That means it doesn’t hurt to complete a loan application with several lenders to compare.

Graphic showing seven tips to improve your credit score

Best RV Loan: The Bottom Line

When it comes to RV loans, you have a lot to consider. As the RV lifestyle continues to grow in popularity, more and more lenders are taking notice and developing specific RV loan products. By taking a strategic approach to your search for a loan, you can find rates and terms that work for you and get you out on the open road.

RV Loans: FAQ

Here are some frequently asked questions about RV loans:

Where can I find the best rv loans?

Through our extensive research, we found that PenFed Credit Union, U.S. Bank, and LightStream are the lenders that offer the best RV loans. However, the best RV loan lender for you depends on your unique situation, so we recommend comparing offers before choosing a loan provider.

What are average rv loan rates currently?

The average starting RV loan rate currently is around 7.82% based on data from top camper financing lenders. However, the rates you will receive depend on your credit score and credit history among other factors.

What is the average loan term for an RV?

The average loan term for RVs sits around 8 years or 84 months. Most lenders offer terms from one to 20 years, depending on the amount of the RV loan. Some lenders offer short-term personal loans for smaller RV purchases like teardrop trailers, while others offer long-term loans for RVs that cost hundreds of thousands of dollars.

What credit score is needed to finance an RV?

Although it’s possible to finance an RV with a credit score in the 600 range, getting the best rates typically requires a score closer to 800. The industry standard credit score for RV financing ranges from 660 to 700.

What is the best month to buy an RV?

Similar to the best time to buy cars , RV sales are at their lowest in October and November, making these months a great time to try to get a good deal on an RV. If you want to get a good price, avoid buying an RV during the spring and summer, when demand is at its peak.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best auto loan companies. We collected data on dozens of loan providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the companies that scored the most points topping the list.

Here are the factors our ratings take into account:

Industry standing : Our research team considered ratings from industry experts and each lender’s years in business when giving this score.
Rates and discounts : Auto loan providers with low APRs, good discount opportunities and high loan amounts scored highest in this category.
Availability : Companies that cover a variety of circumstances are more likely to meet consumer needs.
Customer service : This score is based on customer satisfaction ratings and transparency. We also considered the responsiveness, friendliness and helpfulness of each loan company’s customer service team based on our shopper analysis.

Our credentials:

300+ hours researched
25 companies reviewed
2,000+ consumers surveyed

*Data accurate at time of publication.

If you have questions about this page, please reach out to our editors at [email protected] .

Car dealership.Young man receiving car key from saleswoman.

Access to this web page has been blocked. This is most likely a temporary disruption, so please try again in a few minutes.

If you feel you have received this message incorrectly, or continue to receive this message, please note the reference number below and send us an email at [email protected].

Reference Error: (18.2796ef50.1714488325.7bcfb5e)

How to choose the best RV loan lender

Advertiser disclosure.

We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

How We Make Money

The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.

Share this article on Facebook Facebook
Share this article on Twitter Twitter
Share this article on LinkedIn Linkedin
Share this article via email Email

An illustrated image of an RV with money in the background

• Auto Loans
• Personal loans
Connect with Rebecca Betterton on Twitter Twitter
Connect with Rebecca Betterton on LinkedIn Linkedin
Get in contact with Rebecca Betterton via Email Email

• Student loans

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money .

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts , who ensure everything we publish is objective, accurate and trustworthy.

Our loans reporters and editors focus on the points consumers care about most — the different types of lending options, the best rates, the best lenders, how to pay off debt and more — so you can feel confident when investing your money.

Editorial integrity

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.

Key takeaways

When gauging approval, RV lenders consider credit score, income and debt-to-income ratio (DTI).
If the RV is your primary residence, you may have a harder time getting approved. Many lenders only finance RV's for leisure.
Every lender is different, so prequalify with as many as possible and compare potential offers before applying.
To help narrow your search, look into the benefits each lender offers. Some offer exclusive perks such as grace period extensions, interest rate deductions or payment flexibility.

Although there is no single ‘best RV lender’ out there, there are companies that will better fit your needs and finances. Finding the best single best option among multiple lenders can seem intimidating, but the process can be fairly painless if you know exactly what you’re looking for. When comparing companies, prequalify with as many as possible and pay attention to the lender’s usage restrictions, the eligibility criteria and the loan details.

What to consider before choosing an RV lender

There are specific factors to be mindful of when looking for the best RV lender. Just as you would with a personal or auto loan , take your time and conduct thorough research to find both the most competitive rates and the lender that best meets your needs.

Also, keep in mind that RV loans are often much larger than other loan types (depending on your vehicle and down payment amount) and will likely be part of your monthly budget for years to come. That being said, pay specific attention to the long-term costs – including hidden fees – and make sure the predicted payments are doable in the long-run.

Loan approval requirements

Each lender that offers RV loans carries its own qualifications for loan approval. While they differ by company, each will likely take your credit score and history, income and debt-to-income (DTI) ratio into consideration for approval. These factors also impact your loan terms and the rates you’re offered. The better your credit score , the lower your interest rate.

While some lenders may extend approval to individuals with a lower FICO credit score – 600 and below – the loans are more likely to come with inflexible payment terms and high interest rates.

Available interest rates

The rates that are disclosed on the lender’s website aren’t always guaranteed. Before setting your sites on a lender because of a particularly low APR, prequalify (if the lender offers the tool) to see your predicted rate. If prequalification isn’t offered, keep in mind that the APR minimum is reserved for the most creditworthy borrowers.

Also, ensure that the interest ranges disclosed aren’t promotional or for a set amount of time. To better understand the rate you could be offered, read the lender’s terms and conditions page or call a customer service representative.

As you’re looking through the interest details, make sure you’re familiar with every cost associated with the loan. These fees often add up and can greatly increase the monthly cost of your loan, so look out for additional costs like origination fees , late fees and prepayment penalties. Lenders all have different fee structures, and they’ll often be based on credit. For example, the better your credit, the lower your origination fee could be.

Loan amounts

Before setting out to compare the best RV lenders, it is important to know how much money you will need to purchase your RV. Recreational vehicles can range widely in cost, anywhere from $10,000 to $1 million. This is especially important as some lenders restrict the amount you can borrow.

Make sure you account for every cost you could incur with an RV. This includes maintenance costs, marina fees, future upgrades and insurance. However, it’s important that you don’t borrow and pay interest or fees on more than you need, so calculate the amount to the last cent before applying.

Repayment options

The repayment terms you sign off on will impact how long you will pay off your loan and your monthly payment. Longer repayment terms will mean a lower monthly cost , whereas a shorter repayment term will likely be more expensive each month. However, a shorter term does mean that you’ll pay less interest over the life of the loan and allows you to own the RV sooner.

Customer experience

Depending on your comfort with technology, you might prefer to work with a brick-and-mortar lender where you can benefit from in-person support. Whereas if you like to handle your finances online, focus on online loan options. Customer reviews on third-party websites may also be useful, but keep in mind that people are more likely to leave negative reviews than positive.

Perks and special features

When evaluating two similar lenders look out for unique features that may be offered. A few questions to ponder include:

Does the lender impose usage restrictions?
Are there discounts, special programs or other forms of assistance available to borrowers?
Do the benefits outweigh the borrowing costs or vice-versa?

Ultimately, you know how much loan you can afford and what financing options work for you. Be sure to compare loan quotes and run the numbers to confirm loan perks aren’t being offered at the expense of a good price.

How to secure the best RV loan

There is no perfect RV loan for borrowers, but there is the right one for your needs. When it comes to securing the best RV loan possible , take the following steps to figure out exactly what you need.

Budget. Use your budget as your guiding light when securing your loan. Keep in mind how fees might impact your upfront and long-term costs.

Understand your credit score. Take the time to check your credit score . This way can search for and apply to lenders that best match your credit background.
Apply for prequalification. By prequalifying with a lender you will have a firm grasp on expected rates and terms — all without damaging your credit.
Compare loan options. Consider borrowing from banks, credit unions and online lenders before settling on one. By exploring each you are more likely to find the right RV loan for you.
Prequalify then apply. After setting your sights on the right lender, prequalify if the lender offers the tool. If you’re happy with your potential offer, the lender will guide you through the application process. Come prepared with personal, financial and tax documents to make the application process as smooth as possible.

Choosing the right lender is just one step in the exciting process of getting out on the open road. To ensure you can enjoy your RV for years to come, pay close attention to approval requirements, interest rates, loan amounts, terms repayment options, customer service and special features.

To confidently select the best RV lender for you, understand your payment obligations and total loan costs. To do this, shop around, get prequalified with multiple lenders and then compare the loan quotes.

How to choose the best bad credit loan company

How to compare personal loans and choose the best option for you

How to get the best auto loan rates: Your 6-step guide

How to get an RV loan

ATM locations
ATM locator

Estás ingresando al nuevo sitio web de U.S. Bank en español.

Explore the open road in style with the right financing..

Woman and man looking out the window of their RV

Shop and finance your next RV all in one place.

Browse new and used RVs from our participating dealerships. When you find one you want, just complete our easy online application. If you’re approved, the dealer will have your pre-approval ready when you arrive for a smoother purchase experience.

Pre-approval puts you one step ahead.

Know what you can spend so you can shop with confidence for a new or used RV. Your U.S. Bank RV financing pre-approval is good at any of our participating dealerships. 

Before you apply...

Your U.S. Bank pre-approved financing amount is good for 60 days, only at our participating dealers. Find one now using our dealer locator – or start your application right away and search for participating dealers later.

Tools to help get your adventure started

Estimate your rv payment..

Use our RV financing calculator to estimate your rate and monthly payment for a new or used RV.

Search participating dealerships.

When you’re ready to buy, your U.S. Bank RV financing pre-approval is good at any of our participating dealerships.

RV buying tips

What kind of RV is right for you?

Learn about different RV styles and hit the road in your dream vehicle. 

Should you buy a new or used RV?

When buying an RV, there are good reasons to consider both new and used. Let us help you decide. 

How I did it: Deciding whether to buy an RV

U.S. Bank Vice President Jen Wendt discusses the considerations that went into her family’s decision.

Costs of owning an RV

Be sure you consider the long-term costs of RV ownership when budgeting for your purchase.

TAKE THE NEXT STEP

U.S. Bank assists its customers by working with dealers across the nation. Financing pre-approval is only valid at a dealer with which U.S. Bank works. U.S. Bank is not affiliated with these dealers and makes no representations or warranties regarding the dealers, their inventory, related products or services. All vehicle and related product information included on this site is provided by the dealer, who is solely responsible for the content, representations about itself and the vehicle, including pricing, services and promotional statements. U.S. Bank does not endorse third-party products, services or other vehicle content. Any questions about the vehicle, pricing or related products should be directed to the dealer. The dealer will work with you to finalize financing terms.

The dealer may request your permission to obtain information from one or more credit reporting agencies. The dealer will ask for your photo identification (driver’s license) and/or other identifying documents. U.S. Bank reserves the right to withdraw an approval if your identity cannot be verified or if there have been changes in your credit status as of the date of sale.

Offers are subject to credit approval. Rates are subject to change. Additional restrictions may apply. Member FDIC.

Capital One's first-quarter profit jumps on interest income boost

Medium Text

Signage is seen outside a Capital One Bank in Manhattan, New York

Reporting by Arasu Kannagi Basil in Bengaluru; Editing by Sriraj Kalluvila

Our Standards: The Thomson Reuters Trust Principles. New Tab , opens new tab

City of London financial district seen in London

Business Chevron

How Finnish strikes over labour reforms are affecting companies

The SAK trade union association said on April 4 that Finnish labour unions would suspend a four-week strike which began on March 11.

Capital One Main Navigation

Learn & Grow
Life Events
Money Management
More Than Money
Privacy & Security
Business Resources

Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

Travel insurance can provide financial protection if things go wrong before or during a trip.
You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

Earn 75,000 bonus miles

Redeem your miles for flights, vacation rentals and more. Terms apply.

What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

All about booking with Capital One Travel

article | 7 min read

Are travel credit cards worth it?

article | January 9, 2024 | 7 min read

Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
Credit Score Best Credit Monitoring Services Best Identity Theft Protection
CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
Manage Topics
Investigations
Visual Explainers
Newsletters
Abortion news
Coronavirus
Climate Change
Vertical Storytelling
Corrections Policy
College Football
High School Sports
H.S. Sports Awards
Sports Betting
College Basketball (M)
College Basketball (W)
For The Win
Sports Pulse
Weekly Pulse
Buy Tickets
Sports Seriously
Sports+ States
Celebrities
Entertainment This!
Celebrity Deaths
American Influencer Awards
Women of the Century
Problem Solved
Personal Finance
Small Business
Consumer Recalls
Video Games
Product Reviews
Destinations
Airline News
Experience America
Today's Debate
Suzette Hackney
Policing the USA
Meet the Editorial Board
How to Submit Content
Hidden Common Ground
Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Credit Cards

Capital One Quicksilver benefits guide 2024

Lee Huffman

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Published 5:47 a.m. UTC April 22, 2024

path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

Vectorian, Getty Images

If you’re looking for a straightforward cash-back program without an annual fee, the Capital One Quicksilver Cash Rewards Credit Card * The information for the Capital One Quicksilver Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. delivers. But the card is more than just a vehicle for budget-conscious consumers to earn rewards, as it comes with other perks, too.

Capital One Quicksilver overview

The Capital One Quicksilver is a cash-back credit card that offers numerous benefits without charging an annual fee , including unlimited cash-back rewards, a welcome bonus, an intro APR offer and no foreign transaction fees. Here’s everything you need to know about the Capital One Quicksilver’s benefits and rewards.

Major Capital One Quicksilver benefits

As a cardholder, you gain access to Capital One Quicksilver benefits that can enhance the value of your rewards credit card. Some benefits are available for a limited time only, so use them right away to maximize their value.

An easy-to-attain welcome bonus

With the Capital One Quicksilver, you can earn a $200 cash bonus after spending $500 on purchases within the first three months of account opening. The minimum spending requirement to earn this bonus is significantly lower than many other cash-back cards that require spending of upwards of $1,500 or more to earn a bonus.

An intro APR offer on purchases and balance transfers

When you open a Capital One Quicksilver card, one of the benefits is an intro APR offer on purchases and balance transfers. You’ll get a 0% intro APR on purchases and balance transfers for 15 months, then a 19.99% to 29.99% variable APR. There is a 3% fee on each balance transfer in the first 15 months but no fee for amounts transferred at the purchase APR after the first 15 months.

Keep in mind that the standard APR applies to any remaining balance when the intro APR promotion is over.

Unlimited cash-back rewards

One Quicksilver card benefit that is available year after year is the ability to earn an unlimited 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. This gives you a decent cash-back earnings rate on most of your spending without having to keep track of bonus categories.

Additionally, when you book hotels or rental cars through Capital One Travel, you’ll receive an elevated cash-back rate. Capital One’s travel portal offers free price drop protection on qualifying flights, competitive hotel rates and price matching within 24 hours of booking.

Rewards never expire as long as your account is open and in good standing. You can redeem rewards manually or set up an automatic redemption on either specific calendar days or whenever your rewards balance exceeds a set dollar amount.

No foreign transaction fees

None of Capital One’s credit cards charge foreign transaction fees. These hidden fees increase the cost of your international purchases by up to 3%. Using a card without foreign transaction fees can save you money when traveling or making purchases from an overseas vendor. Capital One will automatically convert the charges to U.S. dollars without tacking on any fees.

Additional benefits worth noting

Other Capital One Quicksilver benefits also provide value, even if they aren’t used frequently. For some cardholders, these benefits can be worth as much as, if not more than, the rewards earned on the card.

Complimentary Uber One membership

When you activate this benefit, you’ll receive up to six months of complimentary Uber One membership statement credits. This benefit is available through November 14, 2024, but note that activation is required. An Uber One membership normally costs $9.99 per month and includes $0 delivery fees on eligible Uber Eats orders, member pricing, no cancellation fees or penalties, as well as other benefits.

Extended warranty

The manufacturer’s warranty is extended for up to an additional year, on eligible purchases made with the card. This benefit applies to eligible warranties of three years or less and doubles the warranty period up to one additional year. For example, if the manufacturer’s warranty is three months, you’ll receive an additional three months of coverage, for a combined total of six months of coverage.

Virtual card numbers

Purchases made online and over the phone are often targeted by criminals to steal your credit card information. Capital One cardholders can use free virtual card numbers from Eno to protect their information and reduce the potential for unauthorized transactions.

Potential drawbacks

While many Capital One Quicksilver benefits are included with the card, no card is perfect. Here are some of the drawbacks to consider.

Limited redemption options. You have limited redemption options and the card does not have any airline or hotel transfer partners. There are no redemption options to receive outsized value for your rewards, just cash back.
No bonus categories. Bonus categories provide additional rewards on purchases made at eligible merchants. Getting a card with bonuses that match your biggest spending categories allows you to maximize your rewards.
Requires excellent credit. People with blemishes on their credit may not qualify for the Quicksilver Card. If your credit needs repair, the Capital One Quicksilver Secured Cash Rewards Credit Card * The information for the Capital One Quicksilver Secured Cash Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns cash-back rewards while building credit.

If the drawbacks are too much for you, you can always opt to cancel your Capital One credit card .

Should you get the Capital One Quicksilver?

The Capital One Quicksilver cash rewards credit card is an excellent choice for people who want a straightforward cash-back credit card . It earns unlimited and straightforward cash-back rewards on every purchase without having to remember bonus categories or activating limited-time offers.

As a new cardholder, you can earn a welcome bonus and enjoy 15 months of interest-free financing on purchases and balance transfers. Take advantage of the Capital One Quicksilver benefits to maximize the value of your card.

However, if your spending is concentrated in a few categories, you might be better off finding a card with matching bonus categories so you can maximize the rewards on your purchases.

Additionally, if you like to travel, consider instead one of best travel rewards credit cards that offers transfer partners or comprehensive travel protections. These features can enhance the value of your rewards and save money in case you face problems with your travel plans.

Frequently asked questions (FAQs)

You’ll earn a $200 cash bonus after spending $500 on purchases within the first three months of account opening. These rewards won’t expire as long as your account is open and in good standing. You can redeem rewards for cash back, statement credits or gift cards.

No, you won’t receive rental car insurance when paying with your Capital One Quicksilver Card. For rental car insurance against theft or damage, consider a card like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which offers primary auto rental coverage.

Travelers receive automatic travel accident insurance for covered losses on reservations made with the Capital One Quicksilver card. However, the Capital One Quicksilver’s travel benefits are limited; it does not offer trip delay, cancellation or interruption insurance, rental car protection or baggage insurance. To receive these protections, consider a card like the Chase Sapphire Preferred® Card or the Capital One Venture X .

The Capital One Quicksilver includes numerous benefits, but reimbursement for TSA PreCheck is not one of them. For a low-annual-fee Capital One card that reimburses Global Entry or TSA PreCheck application fees, consider the Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which has a $95 annual fee and will reimburse you up to $100 (via statement credit) every four years for the application fee for one of those Trusted Traveler programs.

The Capital One Quicksilver and Capital One QuicksilverOne cards both earn an unlimited 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel, but there are distinct differences.

People with excellent credit are more likely to qualify for the Quicksilver card, which has no annual fee, a lower interest rate, and new cardholders can earn a welcome bonus and take advantage of an intro APR promotion. However, the QuicksilverOne card charges a $39 annual fee and targets people with fair credit.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

*The information for the Capital One Quicksilver Cash Rewards Credit Card, Capital One Quicksilver Secured Cash Rewards Credit Card, Capital One QuicksilverOne Cash Rewards Credit Card, Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Credit card statement balance vs current balance: What’s the difference?

Credit Cards Michelle Lambright Black

Check it out: This is what the average household spends on grocery costs per month

Credit Cards Stella Shon

United Airlines credit cards have a secret perk that makes it easier to book awards

Credit Cards Jason Steele

Can you pay off one credit card with another?

Credit Cards Louis DeNicola

Amex Gold vs. Platinum

Credit Cards Harrison Pierce

Why I chose the Chase Sapphire Preferred as my first ever rewards card

Credit Cards Sarah Li Cain

How to use Alaska Airlines Companion Fare

Credit Cards Ariana Arghandewal

How I maximize my Chase Ink Business Unlimited Card

Credit Cards Lee Huffman

How to do a balance transfer with Discover

9 ways to maximize the Citi Custom Cash card’s 5% cash-back categories

American Express Business Platinum benefits guide 2024

Credit Cards Chris Dong

Why I applied for the new Wells Fargo Autograph Journey℠ Visa® Card

Which Citi balance transfer card should I get?

Credit Cards Julie Sherrier

5 reasons why the Citi Diamond Preferred is great for paying down debt

Welcome offer on Chase’s IHG One Rewards Premier Business card soars to 175K points

Credit Cards Carissa Rawson

1.2 By train
2 Get around

Korolyov is a mid-sized city in North Moscow Oblast , best known as the "cradle of space exporation," as it was the center of the Soviet space program. It was also a former elite dacha location, a vacation spot for all sorts of famous Russians (e.g., Chekhov, Lenin, Akhmatova, Pasternak, Tsvetaeva, etc.). The city today has become one of the most desirable residential locations outside Moscow.

Get in [ edit ]

By car [ edit ].

Take the M8 highway. The town starts right from the highway to the right of it, opposite to Mytishchi .

By bus [ edit ]

Buses 392, 565 and 576 from VDNKh metro station in Moscow, bus 28 from Mytishchi train station (starts on east side, opposite to bus station). Keep in mind jams on M8 for all of these buses, even though they become less severe after opening multilevel traffic interchanges on M8 between Mytishchi and Korolev.

Get around [ edit ]

See [ edit ].

House-Museum of Vladimir Lenin , ☏ +7 095 519-6265 . 11:00–18:00 .
House-Museum of Marina Tsvetaeva .
Church of the Birth of the Sacred Bogoroditsy in Kostino . (17th century)
Space operation center .
Temple Cosmas and Damian .
The monument to Sergei Korolev .

Drink [ edit ]

Sleep [ edit ], go next [ edit ].

Has custom banner
See listing with no coordinates
Has map markers
Outline cities
Outline articles
City articles
North Moscow Oblast
All destination articles
Has Geo parameter
Pages with maps

Korolyov, Moscow Oblast

Korolyov or Korolev is an industrial city in Moscow Oblast, Russia, well known as the cradle of Soviet and Russian space exploration. As of the 2010 Census, its population was 183,402, the largest as a science city. As of 2018, the population is more than 222,000 people. It was known as Kaliningrad from 1938 to 1996 and served as the leading Soviet center for production of anti-tank and air-defense guns. In 1946, in the aftermath of World War II, the artillery plant was reconstructed for production of rockets, launch vehicles, and spacecraft, under the guidance of Russian scientist and academician Sergei Korolev, who envisioned, consolidated and guided the activities of many people in the Soviet space-exploration program. The plant later became known as the RKK Energia; when the Vostok space vehicle was being developed, this research center was designated as NII-88 or POB 989.

More information and contact

Wikipedia https://en.wikipedia.org/wiki/Korolyov,_Moscow_Oblast

Coordinates 55°55'13.763" N 37°49'57.464" E

Sygic Travel - A Travel Guide in Your Pocket

More interesting places

Privacy Policy
STOCK 360° TRAVEL VIDEOS

IMAGES

Does Capital One Do RV Loans? Loan Amount, Criteria & Terms
How to Use the Capital One Travel Portal
Does Capital One Finance Travel Trailers? A Comprehensive Guide
Capital One Venture X $300 Travel Credit: Everything You Need to Know
Travel Trailer Winterization Guide
Does Capital One Do RV Loans? Loan Amount, Criteria & Terms

VIDEO

HOW TO USE CAPITAL ONE PLATINUM CREDIT CARD (2024) FULL GUIDE
Zero Down Program or Rent to Own Program
Answered your questions LIVE! Plus Huge Updates
How to Use Capital One Shopping on Amazon 2024 Update
Capital One Venture Card || The Best Capital One Card...or naw?

COMMENTS

RV Loans: How To Finance An RV
4. Shop for a Lender. If you decide to finance an RV through the dealer, they will show you loan options from the lenders they partner with. This is the most convenient option, since they take ...
RV Loans: 2023 RV Financing Options
RV loan rates are generally below 36%, but they can be much lower if you have a good credit score, little existing debt and high income. Unsecured loan rates start around 6%, and your rate is ...
What Is An RV Loan And How Does It Work?
An RV loan is a secured loan used to finance the purchase of an RV, camper or travel trailer. Lenders generally qualify you for an RV loan based on your credit, income, total debt and the ...
Best RV Loans Of 2024
APRs for RV loans generally range from 4.25% to 11% or more, while rates on unsecured loan options can be much higher. Compare rates from multiple lenders before making a decision. Some lenders ...
Best RV Loans in April 2024
4.7. Overview: LightStream is one of the most competitive online lenders in the personal loan space, offering a quick application process, fast funding and low APRs. LightStream is owned by Truist ...
RV Loans: 5 Things to Know
If you make a $10,000 down payment and borrow the remaining $40,000 over 10 years at an interest rate of 6.5%, your total interest costs would be $14,503. If you paid it back over 20 years instead, that loan would cost you $31,575 in interest. 5. You could end up owing more than what the RV is worth.
Getting An RV Loan
If you need an RV loan to pay for your recreational vehicle, you need to meet certain qualifications to find a lender. ... American Express, Bank of America, Capital One, Chase, Citi and Discover ...
Best RV Loans of May 2024
Truist Review. Truist is best for RV loans over $100,000. While that figure seems high, it's probably necessary if you're considering one of the class A or C motorhomes that Truist finances with ...
Best RV Loans for April 2024
LightStream doesn't charge any fees at all and it'll even beat the rate of any identical loan offer by 0.10% (read: personal loans—not secured RV loans). It's also one of the fastest ...
Best RV Loans for April 2024
An RV loan is a type of installment loan specifically designed for the purchase of travel trailers, campers, and motorhomes. They are usually secured, so the vehicle serves as collateral, and lenders typically require a down payment. RV loans usually have much longer repayment terms than car loans. Repayment terms can be as long as 20 years ...
RV Loan Calculator: See Monthly RV Payments
You can adjust the loan amount, term or rate to see different results in the calculator. Loan amount: This is the amount you expect to borrow. Unsecured RV loans range from $1,000 to $100,000, so ...
Auto Financing
Estimate your monthly auto loan payment. Calculate your estimated monthly payment or loan amount to find what works best for you. Estimate Car Payment. Apply online for a new or used Car Loan from Capital One Auto Finance. Get approved for a financing based on your needs and within your budget, with competitive lending rates.
Does Capital One Do RV Loans? Loan Amount, Criteria & Terms
The minimum down payment for an RV loan with Capital One varies based on the vehicle's value. For a loan amount of $35,000 or less, the minimum down payment is 10%. For a loan amount between $35,001 and $75,000, the minimum down payment is 20%. And for a loan amount of $75,001 or more, the minimum down payment is 30%.
Best RV Loans, Rates and Financing Terms (Apr 2024)
Lightstream offers the best RV loan rates at a 5.24% starting APR. RV loan rates range from 5.24%-9.74% for new campers and 6.49%-10.24% for used RVs. RV loan terms typically range from 3-12 years ...
RV and Motorhome Loans
Excellent credit required for lowest rate. Rates range from 6.99% - 15.89% APR w/ AutoPay. Payment example: Monthly payments for a $25,000 loan at 6.99% APR with a term of 3 years would result in 36 monthly payments of $771.81. Low rates. Great service. That's Lending Uncomplicated.®. Get the low rate you deserve. Good credit means a great rate.
How to Apply for a Loan: 6 Steps
Key takeaways. Determining how much you need to borrow, assessing your financial situation and researching lenders are a few important first steps to take before applying for a loan. Getting pre-qualified or pre-approved can help you determine what loan you may be eligible for. And it can be particularly helpful when buying a home or car.
Home
Travel smarter with Capital One at every step of the journey, including booking flights, hotels and rental cars. Get more from your next journey with Capital One Travel. ... Lounges. Capital One Lounges Learn how you can relax and recharge in Capital One Lounges; Partner Lounge Network Search our network of 1,300+ lounges across the globe ...
How To Find The Right Lender For Your RV Loan
Consider borrowing from banks, credit unions and online lenders before settling on one. By exploring each you are more likely to find the right RV loan for you. Prequalify then apply. After ...
RV loans
Apply now. Call 800-342-4310. Make an appointment. Start of disclosure content. U.S. Bank assists its customers by working with dealers across the nation. Financing pre-approval is only valid at a dealer with which U.S. Bank works. U.S. Bank is not affiliated with these dealers and makes no representations or warranties regarding the dealers ...
Capital One's first-quarter profit jumps on interest income boost
Capital One's net income available to common stockholders rose to $1.20 billion, or $3.13 per share, in the three months ended March 31, from $887 million, or $2.31 per share, a year earlier. Sign ...
Is Travel Insurance Worth It?
Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan.
Capital One Quicksilver Benefits Guide
The Capital One Quicksilver and Capital One QuicksilverOne cards both earn an unlimited 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel ...
Korolyov in
Korolyov or Korolev is an industrial city in Moscow Oblast, Russia, well known as the cradle of Soviet and Russian space exploration. As of the 2010 Census, its population was 183,402, the largest as a science city. As of 2018, the population was more than 222,000 people. It was known as Kaliningrad from 1938 to 1996 and served as the leading Soviet center for production of anti-tank and air ...
Korolyov
Korolyov is a mid-sized city in North Moscow Oblast, best known as the "cradle of space exporation," as it was the center of the Soviet space program. It was also a former elite dacha location, a vacation spot for all sorts of famous Russians (e.g., Chekhov, Lenin, Akhmatova, Pasternak, Tsvetaeva, etc.). The city today has become one of the ...
Korolyov, Moscow Oblast in Europe
Korolyov or Korolev is an industrial city in Moscow Oblast, Russia, well known as the cradle of Soviet and Russian space exploration. As of the 2010 Census, its population was 183,402, the largest as a science city. As of 2018, the population is more than 222,000 people. It was known as Kaliningrad from 1938 to 1996 and served as the leading Soviet center for production of anti-tank and air ...
Sergey Pavlovich Korolyov
Meet the People · Soviet Scientist. Sergey Pavlovich Korolyov, (born Jan. 12, 1907 [Dec. 30, 1906, Old Style], Zhitomir, Russia—died Jan. 14, 1966, Moscow , Russia, U.S.S.R.), Soviet designer of guided missiles , rockets, and spacecraft. Korolyov was educated at the Odessa Building Trades School, the Kiev Polytechnic Institute, and the ...

We'll Be Right Back!

Compare the Best RV Loans

Best RV Loans of May 2024

Best RV Loans

RV Loan Frequently Asked Questions

Best RV Loan Company Reviews

Lightstream RV Loans

Truist RV Loans

Alliant Credit Union RV Loans

Southeast Financial RV Loans

Which RV Lender Is the Most Trustworthy?

Other RV Lenders We Considered

Other ways to finance your RV purchase

How can I get an RV loan?

Why You Should Trust Us: Our Methodology

Best RV Loans for April 2024

The Bottom Line

Why You Should Trust Us

Best Credit Union : NASA FCU

Best for Large Used/Refinance Loans : Southeast Financial

Best for Quick Funding : LightStream

Best for Large New Loans : LendingTree

Guide to Choosing the Best RV Loans

Understand the Cost of an RV

How to Compare RV Loan Lenders

How to Apply for an RV Loan

Frequently Asked Questions

Are RV Loans Tax-Deductible?

What Is a Typical RV Loan Payment?

Are RVs a Good Investment?

What Are Some of the Costs Associated With Owning an RV?

Can I Finance a Used RV?

How Difficult Is It to Get an RV Loan?

Companies We Reviewed

Best RV Loans of 2024

Final Verdict

Best for Poor Credit : My Financing USA

Best Credit Union : NASA Federal Credit Union

Best for Large Used Loans : Southeast Financial

Best for Fast Funding : LightStream

Best Loan Marketplace : LendingTree

Guide to Choosing the Best RV Loans

Comparing RV Loans

How to Get an RV Loan

Frequently Asked Questions

Is RV Loan Interest Tax-Deductible?

What’s a Good Interest Rate for an RV Loan?

Are RVs a Good Investment?

How We Find the Best RV Loans

You’re our first priority. Every time.

RV Loan Calculator: Monthly Payments on Motorhomes, Campers and Trailers

How to calculate RV loan payments

RV loan calculator

Secured vs. unsecured RV loans

Pros and cons of secured and unsecured RV loans

How long are RV loans?

How do I apply for an RV loan?

Other loan calculators

Does Capital One Do RV Loans?

Criteria For Capital One RV Loan

Capital One Loan Amounts and Terms

Benefits of a Capital One RV Loan

FAQs About Capital One Loan for RV

What credit score do you need for an RV loan?

What is the minimum down payment for an RV loan?

What is the average interest rate on an RV loan?

Recent Posts

Best RV Loans

Why You Can Trust The MarketWatch Guides Team

Best RV Loan Companies

PenFed Credit Union

LightStream

What Is an RV Loan?

Can You Use a Car Loan To Finance an RV?

Personal Loans for RVs

How RV Loans Work

How To Get an RV Loan

1. Determine Your Budget

2. Check Your Credit Score

3. Save Up for a Down Payment