Mortgage Strategist & HELOC Specialist · NMLS #1985623, CRMP
Personal Loans for RV Purchase 2026: Top 10 Lenders Compared (RV Financing)
Ready to Pre-Qualify?
Check your rate options in under 60 seconds with no credit score pull.
Top 10 Personal Loan Lenders for RV Purchase 2026: Side-by-Side Comparison
We compared the 10 best RV purchase loan lenders across 7 critical factors: starting rate, max loan amount, min credit score, funding speed, max term, origination fee, and special features.
For RV loans, rate and loan amount are key — you want the lowest rate and enough to cover the full purchase. Compare RV loan lenders
| Rank | Lender | Starting Rate | Max Loan Amount | Min Credit | Funding Speed | Max Term | Get Started |
|---|---|---|---|---|---|---|---|
| 1 | LightStream | 6.99% | $100,000 | 660 | Same day | 84 months | Get RV loan |
| 2 | SoFi | 8.99% | $100,000 | 680 | Same day | 84 months | Get RV loan |
| 3 | Marcus by Goldman Sachs | 6.99% | $40,000 | 640 | 1-3 days | 72 months | Get RV loan |
| 4 | Discover | 6.99% | $40,000 | 660 | 1-3 days | 84 months | Get RV loan |
| 5 | Upstart | 6.70% | $50,000 | 300 | 1-2 days | 60 months | Get RV loan |
| 6 | Avant | 9.95% | $35,000 | 550 | 1-2 days | 60 months | Get RV loan |
| 7 | LendingClub | 8.98% | $40,000 | 600 | 2-4 days | 60 months | Get RV loan |
| 8 | Prosper | 6.99% | $50,000 | 560 | 1-3 days | 60 months | Get RV loan |
| 9 | OneMain Financial | 18.00% | $20,000 | 500 | 1-2 days | 60 months | Get RV loan |
| 10 | Upgrade | 8.49% | $50,000 | 560 | 1-2 days | 60 months | Get RV loan |
Best Lenders for Personal Loans for RV Purchase
Lowest rates for good credit
6.99%
Min credit: 680
Accepts lower credit scores
7.80%
Min credit: 580
Best for fair credit
9.95%
Min credit: 550
No hard credit pull • 60 seconds • 100% free
Best RV Loan Lenders by Category 2026
Different RV types and budgets require different lenders. Here are the best by category.
Match your RV type and budget to the best lender for optimal rates and terms. Find your best RV loan lender
| Category | Best Lender | Why They Win | Key Advantage | Get Started |
|---|---|---|---|---|
| Best for small RVs ($5K-$20K) | Marcus / Discover | 6.99% rate, $40K max, 0% origination | Best for small RVs | Get small RV loan |
| Best for mid-size RVs ($20K-$50K) | LightStream / SoFi | $100K max, same-day, 84mo term | Best for mid-size | Get mid-size RV loan |
| Best for large motorhomes ($50K-$100K) | LightStream / SoFi | $100K max, same-day funding | Largest loans | Get large RV loan |
| Best for lowest rate | LightStream / Marcus / Discover / Prosper | 6.99% starting rate | Lowest RV rate | Get lowest rate RV loan |
| Best for fast funding (same day) | LightStream / SoFi | Same-day funding available | Fastest funding | Get same-day RV loan |
| Best for low credit (550+) | Avant | 550 min credit, $35K max | Flexible credit | Get low credit RV loan |
| Best for very low credit (300+) | Upstart | 300 min credit, AI underwriting | Lowest credit bar | Get 300 credit RV loan |
| Best for long terms (84 months) | LightStream / SoFi / Discover | 84 month max term | Longest terms | Get long-term RV loan |
| Best for used RVs | All personal loan lenders | No age restriction (unlike RV loans) | No age limit | Get used RV loan |
| Best for any RV type | All personal loan lenders | No type restriction (unlike RV loans) | Any RV type | Get any RV loan |
Personal Loan vs RV Loan vs Other RV Financing 2026
There are multiple ways to finance an RV. Here is a complete comparison.
Personal loans offer no collateral, no inspection, and fast funding. RV loans offer lower rates but require collateral and inspection. Compare RV financing
| Financing Option | Starting Rate | Max Amount | Max Term | Collateral | Inspection Required | Age Restriction | Key Pros | Key Cons | Get Started |
|---|---|---|---|---|---|---|---|---|---|
| Personal loan | 6.99% | $100,000 | 84 months | None (unsecured) | No | None (any age) | No collateral, no inspection, fast, any RV | Higher rate than RV loan, shorter term, lower max | Get personal loan |
| RV loan (secured) | 6.50% | $500,000 | 20 years | RV (secured) | Yes ($300-$800) | Typically <10-15 years old | Lowest rate, longest term, largest amount | RV as collateral, inspection required, age restrictions | Get RV loan |
| Dealer financing | 5.99% | Varies by dealer | 15-20 years | RV (secured) | Varies | Varies | Convenient, promotional rates, bundled with purchase | Limited to dealer inventory, higher price may be built in | Get dealer financing |
| HELOC | 7.500% | $100,000+ | 20 years | Home (secured) | No | None | Low rate, long term, tax-deductible interest | Home at risk, slow approval, requires equity | Get HELOC |
| Credit card | 18-29% | $5,000-$50,000 | Flexible | None | No | None | Immediate, rewards/cashback | Highest rate, maxes out quickly, hurts credit utilization | Get credit card |
| BNPL (Affirm) | 0-30% | $17,500 | 36 months | None | No | None | 0% intro, fast approval | Low max amount, limited to participating dealers | Get BNPL |
| Savings | 0% | No limit | N/A | None | No | None | No interest, no debt, strongest negotiating position | Ties up savings, may not have enough | Use savings |
| 401(k) loan | Prime + 1% | $50,000 | 5 years | 401k | No | None | No credit check, pay yourself interest | Reduces retirement, due immediately if you leave job | Get 401k loan |
Get Matched with Top Lenders Instantly
Bypass banking rejection models. Match with multiple specialist lenders ready to approve you.
Pre-Qualify in 60 Seconds →RV Purchase Costs by Type 2026
RV costs vary dramatically by type, size, and condition. Here is a breakdown of common RV purchases.
Use this table to estimate how much you need to borrow for your dream RV. Calculate your RV loan
| RV Type | New Price (2026) | Used Price | Recommended Loan | Monthly Payment (60mo at 8.99%) | Get Started |
|---|---|---|---|---|---|
| Pop-up camper (tent trailer) | $8,000-$15,000 | $3,000-$8,000 | $10,000 | $208/mo | Get pop-up loan |
| Travel trailer (17-25ft) | $15,000-$30,000 | $8,000-$20,000 | $20,000 | $415/mo | Get travel trailer loan |
| Hybrid travel trailer (expandable) | $18,000-$35,000 | $10,000-$25,000 | $25,000 | $519/mo | Get hybrid trailer loan |
| Fifth wheel (25-35ft) | $30,000-$60,000 | $15,000-$40,000 | $40,000 | $830/mo | Get fifth wheel loan |
| Toy hauler (travel trailer) | $25,000-$50,000 | $12,000-$30,000 | $30,000 | $623/mo | Get toy hauler loan |
| Class B campervan (20-24ft) | $60,000-$150,000 | $30,000-$80,000 | $50,000 | $1,037/mo | Get campervan loan |
| Class C motorhome (20-32ft) | $50,000-$120,000 | $25,000-$70,000 | $50,000 | $1,037/mo | Get Class C loan |
| Class A gas motorhome (30-36ft) | $80,000-$180,000 | $40,000-$100,000 | $80,000 | $1,660/mo | Get Class A gas loan |
| Class A diesel pusher (36-45ft) | $150,000-$500,000 | $80,000-$250,000 | $100,000 (personal loan max) | $2,074/mo | Get diesel pusher loan |
| Truck camper | $5,000-$30,000 | $3,000-$20,000 | $15,000 | $311/mo | Get truck camper loan |
How to Get a Personal Loan for an RV Purchase: Step-by-Step Guide
Getting a personal loan for an RV is straightforward. Here is a step-by-step guide.
The key: know your RV budget, check your credit, compare lenders, and apply for fast funding. Get your RV loan
- Step 1: Determine your RV budget — research RV prices on RV Trader, Camping World, and RVT.com. Factor in insurance ($500-$3,000/year), storage ($0-$5,000/year), maintenance (10% of RV value/year), and campground fees ($20-$80/night)
- Step 2: Decide new vs used — used RVs cost 40-60% less but may need more maintenance. Personal loans have no age restriction (unlike RV loans which typically require <10-15 years old)
- Step 3: Check your credit score — 660+ (LightStream, SoFi, Discover), 640+ (Marcus), 560+ (Prosper, Upgrade), 550+ (Avant), 300+ (Upstart)
- Step 4: Compare financing options — personal loan (6.99%, $100K, same-day, no collateral), RV loan (6.50%, $500K, 20yr, RV as collateral), dealer financing (5.99%, convenient but may have higher price built in)
- Step 5: Get pre-qualified with 3+ personal loan lenders — soft credit pull, no impact to score. Compare actual rates and terms
- Step 6: Choose the best lender — LightStream (6.99%, same-day, $100K, 84mo), SoFi (8.99%, same-day, $100K, 84mo), or Marcus (6.99%, 1-3 days, $40K, 72mo)
- Step 7: Apply for the loan — submit full application with ID, proof of income, and bank info. Hard credit pull (drops score 3-5 points)
- Step 8: Receive funds and buy the RV — funds deposited in your bank account (same day to 4 days). Buy from any dealer or private seller with cash (may get a discount for cash payment)
- Step 9: Register and insure the RV — register with your state DMV, get RV insurance ($500-$3,000/year depending on RV type and value), and complete any required safety inspections
- Step 10: Make monthly payments — set up auto-pay to never miss a payment. On-time payments build your credit score. Most personal loans have no prepayment penalty — pay off early to save on interest
Mortgage Calculator
20.0% down
Today's Best Mortgage Rates
Updated November 1, 2026
| Lender | Rate | Action |
|---|---|---|
Veterans United | 5.500% | Check Rate |
Navy Federal CU | 5.500% | Check Rate |
Better.com | 5.625% | Check Rate |
New American Funding | 5.625% | Check Rate |
Rocket Mortgage | 5.750% | Check Rate |
CrossCountry Mortgage | 5.750% | Check Rate |
Rates shown are illustrative. Actual rates vary by credit score, location, and loan details.
Compare All Lenders →Get Matched With the Best Lender for You
No hard credit pull. Our 60-second automated questionnaire evaluates your profile against 500+ US lenders to secure the lowest rates available today.
Check My Rates Now →Find Your Perfect Loan in 60 Seconds
Answer 6 quick questions and get matched with loan programs you actually qualify for. No credit score pull required.
- Personalized lender matches
- No hard credit pull
- Works with bad credit (500+)
Frequently Asked Questions
Mortgage Strategist & HELOC Specialist
NMLS #1985623 and CRMP. Former HELOC division manager at PNC Bank ($2B portfolio). 11+ years in home equity lending. Featured on CNBC.
Related Guides
Explore all Lifestyle Personal LoansPersonal Loans for Business Startup 2026: Fund Your Venture
Personal loans for business startup in 2026. Compare lenders, rates, risks, and alternatives. Fund your business without collateral or business credit history. Get approved in 60 seconds.
Personal Loans for Engagement Rings 2026: Finance the Ring
Personal loans for engagement rings in 2026. Compare lenders, rates, and alternatives. Learn the 2-month rule and how to avoid overpaying for the ring.
Personal Loans for Funeral Costs 2026: Finance a Dignified Farewell
Funerals cost $7,000-$12,000. Personal loans for funeral costs in 2026 — compare lenders, rates, and alternatives. Get approved in 60 seconds during a difficult time.
Personal Loans for Wedding 2026: Top 10 Lenders Compared (Fund Your Dream Wedding)
Top 10 personal loan lenders for wedding 2026 with side-by-side comparison, best by category (10 categories), wedding costs by budget level (10 scenarios from courthouse $5K to luxury $50K), personal loan vs other wedding financing (8 options including store cards, venue plans, family, HELOC), and step-by-step guide. 6 comparison tables with CTAs and 10 FAQ.
Personal Loans for Vacation 2026: Top 10 Lenders Compared (Fund Your Dream Trip)
Top 10 vacation loan lenders 2026 with side-by-side comparison, best by category (10 categories), vacation costs by trip type (10 scenarios from weekend $2K to round-the-world $30K), personal loan vs other travel financing (8 options including travel credit cards, BNPL, airline plans, rewards), and step-by-step guide. 6 comparison tables with CTAs and 10 FAQ.
Personal Loans for Pet Emergencies 2026: Top 10 Lenders Compared (Fast Funding)
Top 10 pet emergency loan lenders 2026 with side-by-side comparison, best by category (10 categories), pet emergency costs by treatment type (10 treatments from ER visit $2K to cancer treatment $15K), personal loan vs other pet financing (8 options including pet insurance, vet payment plans, CareCredit, Scratchpay, non-profit grants), and step-by-step guide. 6 comparison tables with CTAs and 10 FAQ.