What is the best RV loan rate?
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Looking into RV loans? As of May 2025, the best RV loan rates are starting around 5.99% for people with excellent credit. Here’s a quick idea of what you might expect:
Top Lenders (No links, just names):
LightStream β Offers rates from about 6.49% to 13.89% APR, with loans from $5,000 up to $100,000 and terms up to 12 years. Theyβre known for fast approvals and no fees.
Alliant Credit Union β Rates start at 6.49% APR for 10-year terms, with options for longer repayment at slightly higher rates.
Trident Funding β Offers around 7.12% APR depending on your credit, the RV’s age, and the loan amount.
Average RV Loan Rates by Credit Score:
Tips to Get the Best Rate:
Keep your credit score high
Make a larger down payment
Choose a shorter loan term
Always shop around and compare
Let me know if you want help running some numbers or checking what a monthly payment might look like!
Right now, the best RV loan rates are hanging around 6% to 7% if youβve got a solid credit score. If your credit’s great, you can snag the lower end. If it’s not-so-great, expect higherβlike 9% or more.
A lot of people check out LightStream or credit unions since they often have better deals than big banks. And tossing in a decent down payment helps too.
the best RV loan rate right now is around 5.99% if youβve got really good credit. But usually, it goes from like 5.24% to 9.74% for new RVs, and a bit higher for used ones β like 6.49% to 10.24%.
If your credit score isnβt that great, the rates can shoot up. Like, if your scoreβs around 640, you might get something like 13.89%, and if it’s lower than that, maybe even 16% or more. Ouch.
Some lenders offer better deals though:
One place gives 6.49% for up to 12 years.
Another one gives that same rate for shorter terms, but bumps it up a bit for longer ones, like 7.49% for 20 years.
Thereβs also one that helps people with not-so-great credit, starting at 5.99%, but it can go higher depending on your credit.
So yeah, if you want a sweet deal, having good credit helps a ton. And newer RVs usually get better rates than old ones. Hope that helps, dude!