Best RV loans of February 2026

Approval requirements will vary by lender, but most generally require a credit score of 670 or higher, low debt-to-income (DTI) ratio, steady income and positive credit history. 

If your score is low, you may qualify for a bad credit personal loan, but the interest rate and fees will be much higher. A cosigner may improve your chances of approval, but it may be better to focus on improving your credit before applying. 

Though the cost of an RV ranges anywhere from $10,000 to $1 million, most personal loan limits are $100,000 or less. Use a loan calculator to determine exactly how much you need to borrow, and include costs like sales tax, insurance and immediate maintenance or repair costs.

Use this page to compare the features of many different RV loan lenders. Review the interest rates, loan terms, qualification requirements and product features to determine what lenders fit your needs most. 

To get more accurate offers based on your specific information, get prequalified with a few lenders by clicking “See offers” and filling out a brief form. You should also look for additional costs such as origination fees, late fees and prepayment penalties.  

Once you pick your best option, follow the lender’s instructions to apply. During the approval process, the lender will ask for additional documents, including proof of identity. If you apply for a secured loan, the lender will also need detailed information about the RV you’re financing. You may also need proof of insurance to get an RV loan. Get a quote from your insurance company to ensure your coverage meets your lender’s needs and fits your budget.

If you take out a secured loan, your funds will be paid directly to the RV dealer. If you choose an unsecured personal loan, in most cases, the funds are paid to your bank account for you to use to buy your RV. Either way, you will need to complete a contract and authorize funding transfers in order to finalize your application.