RV Loan Calculator

Considering buying an RV? Use our quick RV loan calculator to estimate your monthly payments.

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Year
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Your estimated monthly payment would be:

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0.00% APR*

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*Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees. Actual rate and term can vary depending on credit history, collateral type, age of collateral, loan amount, loan term, loan to value, vessel registration type (LLC/Trust), state of residency and other criteria. Rates and terms may vary and are subject to change without notice. Credit score can vary depending on the credit reporting agency. Payment example: A $76,000 loan for the purchase of a recreational use RV for 20 years with a fixed rate of 5.49% would have an estimated APR of 5.49% and 240 payments of $522.37.

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New RV Rates

RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan AmountTerm (Months)FICO Credit Score Ranges
800+760 - 799740 - 759700 - 739680 - 699640 - 679600 - 639
$500,000 - $2,000,0002405.24%5.24%5.49%5.74%9.99%--
$350,000 - $499,9992405.12%5.12%5.37%6.74%9.99%--
$250,000 - $349,9992405.12%5.12%5.37%6.99%9.99%--
$200,000 - $249,9992405.12%5.12%5.37%6.12%9.99%--
$150,000 - $199,9992405.12%5.12%5.37%6.12%9.99%--
$100,000 - $149,9992405.99%6.24%6.37%6.37%10.24%--
$75,000 - $99,9992405.99%6.24%7.24%8.11%8.24%--
$50,000 - $74,9992405.99%6.24%7.24%8.12%8.36%11.99%18.95%†
$25,000 - $49,9991806.49%6.74%7.74%9.36%9.36%11.99%18.95%†
$10,000 - $24,9991206.99%7.24%8.24%9.49%10.24%11.99%18.95%†

*Above rates are for 2012 RV model year or newer. RV model years 2007 – 2011 are subject to rate increase. Call for rates on diesel pushers model years 2002 – 2006. *Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees. Actual rate, loan amount and term can vary depending on the lender, FICO score, credit history, lender assets/liquidity requirements, debt and payment to income ratios, collateral type, age of collateral, loan to value, vehicle registration (LLC), state of residency and other criteria. Rates and terms may vary and are subject to change without notice. Credit score can vary depending on the credit reporting agency.

The following is an example, and the rates and terms can vary. A $76,000 loan for the refinance of a recreational use RV for 20 years with a fixed rate of 5.74% would have an estimated APR of 5.74% and 240 payments of $533.15. Processing fee of $385 cannot be included in the loan.

Used RV Rates

RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan AmountTerm (Months)FICO Credit Score Ranges
800+760 - 799740 - 759700 - 739680 - 699640 - 679600 - 639
$500,000 - $2,000,0002405.24%5.24%5.49%5.74%9.99%--
$350,000 - $499,9992405.12%5.12%5.37%6.74%9.99%--
$250,000 - $349,9992405.12%5.12%5.37%6.99%9.99%--
$200,000 - $249,9992405.12%5.12%5.37%6.12%9.99%--
$150,000 - $199,9992405.12%5.12%5.37%6.12%9.99%--
$100,000 - $149,9992405.99%6.24%6.37%6.37%10.24%--
$75,000 - $99,9992405.99%6.24%7.24%8.11%8.24%--
$50,000 - $74,9992405.99%6.24%7.24%8.12%8.36%11.99%18.95%†
$25,000 - $49,9991806.49%6.74%7.74%9.36%9.36%11.99%18.95%†
$10,000 - $24,9991206.99%7.24%8.24%9.49%10.24%11.99%18.95%†

*Above rates are for 2012 RV model year or newer. RV model years 2007 – 2011 are subject to rate increase. Call for rates on diesel pushers model years 2002 – 2006. *Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees. Actual rate, loan amount and term can vary depending on the lender, FICO score, credit history, lender assets/liquidity requirements, debt and payment to income ratios, collateral type, age of collateral, loan to value, vehicle registration (LLC), state of residency and other criteria. Rates and terms may vary and are subject to change without notice. Credit score can vary depending on the credit reporting agency.

The following is an example, and the rates and terms can vary. A $76,000 loan for the refinance of a recreational use RV for 20 years with a fixed rate of 5.74% would have an estimated APR of 5.74% and 240 payments of $533.15. Processing fee of $385 cannot be included in the loan.

Refinance RV Rates

RV Purchase Financing APRs* are based on Loan amount, Loan to Value and FICO Credit Score
Loan AmountTerm (Months)FICO Credit Score Ranges
800+760 - 799740 - 759700 - 739680 - 699640 - 679600 - 639
$500,000 - $1,999,9992405.24%5.24%5.49%5.74%9.99%--
$350,000 - $499,9992405.12%5.12%5.37%5.74%9.99%--
$200,000 - $349,9992405.12%5.12%5.37%6.12%9.99%--
$150,000 - $199,9992405.12%5.12%5.37%6.12%9.99%--
$100,000 - $149,9992405.99%5.99%6.24%6.37%10.24%--
$75,000 - $99,9992405.99%5.99%6.24%7.49%10.24%--
$60,000 - $74,9992405.99%6.24%7.24%8.99%10.24%--
$50,000 - $59,9992407.74%8.24%8.24%9.24%10.24%--
$25,000 - $49,9991807.99%8.49%8.49%9.49%10.49%--
$10,000 - $24,9991207.99%8.49%8.49%9.49%10.49%--

*Above rates are for 2012 RV model year or newer. RV model years 2007 – 2011 are subject to rate increase. Call for rates on diesel pushers model years 2002 – 2006. *Estimated APR, or Annual Percentage Rate, is the annual cost of the loan, which includes other charges and fees. Actual rate, loan amount and term can vary depending on the lender, FICO score, credit history, lender assets/liquidity requirements, debt and payment to income ratios, collateral type, age of collateral, loan to value, vehicle registration (LLC), state of residency and other criteria. Rates and terms may vary and are subject to change without notice. Credit score can vary depending on the credit reporting agency.

The following is an example, and the rates and terms can vary. A $76,000 loan for the refinance of a recreational use RV for 20 years with a fixed rate of 5.74% would have an estimated APR of 5.74% and 240 payments of $533.15. Processing fee of $385 cannot be included in the loan.

How Trident Funding Works

It’s as easy as 1-2-3!

TELL US ABOUT YOURSELF

Answer a few questions about the type of loan you’re looking for and how you’ll use it. We submit your application to our extensive lender network to request quick loan rates. 

RELAX

Kick back and let us do the heavy lifting. If we need additional documentation, we’ll reach out. Otherwise we get to work on your RV loan application. We usually have a response from a lender in 24-48 hours. We take care of all the backend work, so you can worry about getting on the road.

GET OUTDOORS

Once you review and approve the offer, it’s all hands on deck to get your closing date scheduled as soon as possible. With transparent rates, you can rest assured we’ll find the RV loan lender and loan that will fit your lifestyle today. The outdoors awaits.

Frequently Asked Questions

How long is a typical RV loan for?

  • We offer a variety of terms ranging from 6 to 20 years depending on the RV loan amount. Generally, RV loans range from 10-15 years, but the maximum or standard term for an RV loan can be affected by the type of RV you’re financing, the RV model year, and the mileage.

What credit score do I need for an RV loan?

  • RV loans require a minimum credit score of 600. If the borrower’s credit score is less than 680, the maximum loan amount available is $50,000. Borrowers with lower credit scores can expect a higher RV loan interest rate or the request for a larger down payment from the lender.

Is it hard to get financed for an RV?

  • Financing for an RV is a bit more difficult than applying for a car loan. In most cases, loan amounts of $150,000 or greater require proof of income and tax returns, like a home loan. Our dedicated team of RV loan officers will work with you to understand your RV loan requirements to help get you on the road.

Can I get an RV loan with a 500 credit score?

  • The minimum credit score to get an RV loan is 600. Credit scores of less than 680 have a maximum RV loan amount of $50,000. With a lower credit score, you should expect a larger down payment or a higher interest rate. Apply for your RV loan today.

What should I expect my RV loan APR to be?

  • RV loan APRs can vary depending on several factors. The APR is typically determined by your credit score, the size of your down payment, and the age of the RV, and the term of the loan. The higher the credit score, the larger the down payment, the newer the RV, and the shorter term, the better the APR will be.