Comparing 4 offers. Updated July 21, 2026.
SoFi is a leading online lender offering personal loans up to $100,000 with no fees, fast funding, and member perks like unemployment protection.
LightStream is the online lending division of Truist Bank offering unsecured personal loans up to $100,000 with some of the lowest APRs in the US market.
Upgrade offers personal loans from $1,000 to $50,000 with flexible terms up to 7 years and accepts joint applicants and co-signers.
Best Egg specializes in fast, fixed-rate personal loans up to $50,000 with the option to use a vehicle as collateral for lower rates.
An RV loan finances the purchase of a recreational vehicle: motorhome (Class A, B, or C), travel trailer, fifth wheel, pop-up camper, or toy hauler. New RVs cost from around $20,000 for an entry-level travel trailer up to $500,000 or more for a luxury Class A motorhome.
Secured RV loans use the RV as collateral and offer the lowest APR (typically 6 to 10 percent) with terms up to 20 years for amounts above $50,000. Unsecured personal loans can also be used for smaller RVs or used purchases where the title is older than most lenders allow.
Established choices include LightStream with unsecured loans up to $100,000 and same-day funding, Bank of the West / BMO, USAA for military borrowers, Good Sam Finance Center, and credit unions like Alliant and PenFed. Many dealers also arrange financing through national RV lenders.
RVs depreciate fast. Putting at least 10 to 20 percent down protects against going underwater. Long terms (15 to 20 years) lower the monthly payment but inflate total interest. Factor in insurance, storage, and maintenance, all of which add to the true cost of ownership.
Yes. Most lenders finance used RVs up to 10 to 15 years old. Loan amounts are usually capped at the NADA average retail value, with longer terms reserved for newer or higher-value units.
620+ for most lenders, 700+ for the best APRs. LightStream typically requires 700+ for unsecured RV loans. Credit unions like Alliant and PenFed work with scores from 660 with stronger income documentation.
Get pre-approved with a bank or credit union first. Then let the dealer try to beat the offer. Dealer financing is often 1 to 3 percentage points higher because dealers receive a markup from the partner lender.
10 to 15 years is standard for amounts above $50,000. Longer terms lower the payment but stretch interest cost dramatically. Putting at least 10 to 20 percent down protects against being underwater as the RV depreciates.