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Who offers the best RV financing? Best RV Loans, Interest Rates and Financing Terms? Got questions about How To Finance An RV? More Specifically “Best finance companies that provide RV loans?” This is a list of best RV loan lenders of 2024 including where to find Best RV Loans, RV interest rates, a RV Loan Calculator so you can figure out how much buying and financing your RV is going to cost, help for financing an RV with bad credit and more! Peruse this list of the Top RV Financing companies for the best RV Loan rates!

Top Finance Companies That Provide RV Loans

Here is a list of some of the top companies that provide RV loans in the United States:

  1. Good Sam Finance Center:
  2. BMO Harris (formerly Bank of the West & Essex Credit)
  3. LightStream:
  4. USAA* (Members Only)
  5. Southeast Financial:
  6. Alliant Credit Union:
  7. Navy Federal Credit Union:* (Members Only)
  8. Blue Water Finance:
  9. U.S. Bank:

Good Sam Finance Center:

Good Sam Financing Center is Known for a wide range of RV loan options and competitive rates. Plus they Offers loans for new and used RVs, refinancing, and extended term options. With over 25 years of experience, the Good Sam Finance Center is your preferred source for your RV financing needs. We offer RV lending options for both new & used RV purchases, and RV refinance transactions. Our team of experienced RV loan specialists will examine your unique situation to determine which of our trusted RV lending partners can provide the best possible RV rate and term for your RV loan and will guide you through the process from application submission through closing.

  • Flexible loan options: Gain access to a network of lenders to meet your unique needs.
  • Available to most credit scores: We provide loan options for credit scores as low as 600.
  • Multifunctional financing: Private party purchase, dealer purchase, consignment purchase, or refinancing.
  • Any RV type: Receive loans for all RV types, including motorhomes, RV conversions, towables, and more.

BMO Harris (formerly Bank of the West & Essex Credit)

BMO Harris has officially acquired Bank of the West and Essex Credit, but the good news is they still offer Auto, Boat, and RV Loans! No matter what kind of car, truck, boat, RV, personal watercraft, camper, motor home, ATV, or vehicle you need, they can help put you in it! Choose from a variety of loan rates and terms for every budget and timeline.

With an auto/boat/RV loan, you get the money you need to buy the vehicle you want, whether from a dealer or private party. You make fixed monthly payments, and can take advantage of flexible terms, rates and payment options. APRs, payment amounts, and number of monthly payments are based on vehicle model year and your credit qualifications. These loans aren’t just limited to cars. They have loans for motorcycles, boats, snowmobiles and RVs. You can even refinance your current loan or finance a lease buyout.

Successful applicants demonstrate a positive credit history. When you apply, they will pull your credit file and consider the age of the vehicle (vehicles older than 2018 do not qualify), and let you know their decision.


LightStream RV Loans & Financing

LightStream offers RV loans and refinancing. Offers RV loans with no fees, same-day funding, and competitive rates. Low rates. Great service. That’s Lending Uncomplicated. Also is An online lending division of SunTrust Bank.

  • Get the low rate you deserve. – Good credit means a great rate. Got good credit? Get a low-interest, fixed-rate loan, at amounts from $5,000 to $100,000, for practically anything you want.
  • No Fees, No collateral, no home equity requirements. The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.
  • We can fund your loan as soon as the day you apply. Youโ€™re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.
  • Experience the refreshingly simple LightStream loan. Check your rate, then apply from your smartphone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000

USAA RV Loans (Members Only)

USAA offers RV Loans BUT only for it’s member which have to be military members OR their families. If you have a spouse, parent or grandparent (alive) that served in the militaryโ€™ then you can qualify to become a member too, pending a few rules and regulations for signing up etc… BUT you do not have to have personally served in the military yourself. And, once you are approved you can apply for an RV Loan since USAA Offers RV loans with flexible terms and competitive rates, including refinancing options. Available to military members and their families. Ready to roll? Whether you’re a veteran, have a young family or want to enjoy retirement on the road, we can finance an RV to fit your needs.

Types of RVs we can finance

  • Travel trailer – This is a lightweight non-collapsible trailer that is towed behind a vehicle.
  • Fifth-wheel – This is like a conventional travel trailer with lots of features, and you mount it to a truck bed.
  • Motorhome – Class A is the largest, Class B is a van with a raised roof, and Class C is a mini-motorhome.
  • Pop-up camper – You tow a pop-up camper behind a vehicle and it collapses while stored or transported.
  • Slide-on camper – Slide-on campers are portable RVs that you can load onto the bed of a truck.

Why choose us for your RV loan?

  • Quick application: Apply online and get a decision in minutes in most cases.
  • Up to 20 years financing: We offer terms up to 240 months, or 20 years.
  • Extraordinary customer service: USAA representatives are ready to help.

Southeast Financial RV Loans and Camper Financing

Southeast Financial offers RV Loans and Camper Financing. Specializes in RV loans with flexible terms and a quick approval process. Offers loans for both new and used RVs, as well as refinancing options. Securing a Loan for Your Camper or RV Shouldnโ€™t be the Adventure. More and more Americans are taking to the open road than ever before. This means that dealerships and RV manufacturers are looking to cash in on the financing side of the business, which can make it difficult to find the best option. Let Southeast Financial help you explore your way through the dense forest of RV and camper financing. They have the network, connections, and online tools to help you find the financing thatโ€™s just right for your next RV or camper.

There are many reasons you should use Southeast Financial. Pick Yours:

  • Great Rates and Terms for Recreational Vehicle Loans: We offer some of the lowest RV loan interest rates and extended terms in the recreational financing industry, regardless of how much you are financing.
  • $10,000 Minimum Loan Amount: We do not require your RV loan to be a minimum of $50,000 like most of our competitors. We want to earn your business regardless of your budget.
  • We Can Finance Older Units of Recreational Vehicles: Most lenders will only finance units that are less than ten years old, not Southeast Financial. We will consider units as old as 12-year-old models.
  • Fast Decisions RV Financing: At Southeast Financial we strive to get you a same-day credit decision – not always possible during busy season.
  • Safe, Secure, and Easy RV’s Finance Application Process: Our online application is simple to complete and we use the highest level of online transaction security available to protect your personal information.
  • Unrivaled RV Finance Customer Service: After doing business in the recreational loan industry for more than 18 years, we know what it takes to keep our clients happy. Customer service is the key at Southeast Financial.

Alliant Credit Union

Get on the open road with an Alliant RV loan. Recreational vehicle, camper or motorhome โ€“ full-timer or weekender โ€“ Alliant Credit Union can help you with RV financing that fits your lifestyle. they Offers RV loans with competitive rates and terms up to 20 years. Also, Provides financing for both new and used RVs.

The Run Down:

  • Competitive credit union rates
  • RV financing for full-timers
  • Loans up to $400,000 and terms up to 20 years55
  • Get preapproved for better negotiating power with RV dealers
  • Same day approval in most cases
  • No prepayment penalties. Reduce your interest by paying early
  • Refinance your higher RV loan rate and save

Navy Federal Credit Union RV Financing (Members Only)

Navy Federal Credit Union offers RV Loans for it’s military members and their families! Feeling the Wind Is Just a Loan Away: No matter how you moveโ€”by boat, RV, four-wheeler or even jet-skiโ€”they can help finance your fun. Our loans come with great rates and benefits, and you’ll be ready to hit the road or water in no time at all.

Loan Features & Benefits:

  • Loan options with no down payment
  • 24/7 support from a stateside member rep
  • Discounts for military members
  • Available to military members and their families.
  • Refinancing available for non-Navy Federal loans

Blue Water Finance Recreational Vehicle Financing

Blue Water Finance Specializes in RV and marine financing. They also Offer personalized service and competitive rates for RV loans. Receive A Free RV Loan Quote! Get The RV You Really Want With Easy Financing! Why put off your dream RV? Finance it and head out on the highway. Find a great loan with low payments that fit your budget. Submit your online RV loan application today. Go ahead – live the dream! They will contact you the next business day after receiving boat collateral and pricing information from your dealer.


U.S. Bank RV Loans

YES US Bank offers RV LOANS! Explore the open road in style with the right financing. 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 youโ€™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.โ€ฏ
  • 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 youโ€™re ready to buy, your U.S. Bank RV financing pre-approval is good at any of our participating dealerships.

These companies are known for their competitive rates, flexible terms, and specialized services tailored for RV financing. It’s advisable to compare offers from multiple lenders to find the best rates and terms for your specific needs.


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If we havenโ€™t officially met, Hi Iโ€™m Blogging Brandi, an EX-Corporate Kool-Aid Drinker, born to be a Blogger, Creator, Digital Nomad, and Entrepreneur who loves RVing while running my own business on the road! Over 9 years ago, I traded my sticks & bricks lifestyle for a life on wheels. Quit my job, sold my house, and everything else, and then bought an RV! First, was a Travel Trailer, then Van Life, and eventually Motorhome Living! I created RVersity (RV + University) out of my love-hate relationship with RV Life!

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