📌 Finding the right luxury RV loan can save you thousands of dollars in interest and fees. Whether you’re financing a brand-new Class A motorhome or a high-end camper van, choosing the right lender is essential.
In this guide, we compare LendingTree, LightStream, and Good Sam RV Loans—three of the best options for RV financing in 2025. We’ll cover their interest rates, loan terms, pros & cons, and what you need to qualify.
📌 Related Guide: 👉 How to Get the Best Luxury RV Loan (2025)
🏆 Best RV Loan Companies in 2025
Here’s a detailed comparison of the top-rated RV loan providers:
| Lender | Best For | APR Range | Loan Terms | Minimum Credit Score |
|---|---|---|---|---|
| LendingTree | Best for Loan Shopping | As low as 6.99% | 12-240 months | 600+ |
| LightStream | Lowest Rates for Good Credit | 5.99% – 16.49% | 24-144 months | 680+ |
| Good Sam | Best for Full-Time RVers | 7.49% – 19.99% | 60-240 months | 640+ |
💰 1. LendingTree – Best for Loan Shopping
🔹 APR: As low as 6.99% (varies by lender)
🔹 Loan Amount: $5,000 – $500,000
🔹 Loan Terms: 1 – 20 years
🔹 Minimum Credit Score: 600+
✅ Pros
✔ Compares multiple lenders to find the best rate
✔ Works with good and bad credit borrowers
✔ No impact on your credit score to check rates
❌ Cons
❌ Interest rates vary significantly by lender
❌ Some offers require a higher down payment
📌 👉 Compare Loan Offers Now (Coming Soon!)
💳 2. LightStream – Lowest Rates for Good Credit
🔹 APR: 5.99% – 16.49% (with AutoPay discount)
🔹 Loan Amount: $5,000 – $100,000
🔹 Loan Terms: 2 – 12 years
🔹 Minimum Credit Score: 680+
✅ Pros
✔ Low, fixed APR for borrowers with excellent credit
✔ No fees or prepayment penalties
✔ Quick online approval
❌ Cons
❌ Requires strong credit history (680+ FICO)
❌ Doesn’t finance RV purchases from private sellers
📌 👉 Check LightStream RV Loan Rates (Coming Soon!)
🏕️ 3. Good Sam RV Loans – Best for Full-Time RVers
🔹 APR: 7.49% – 19.99%
🔹 Loan Amount: $10,000 – $2,000,000
🔹 Loan Terms: 5 – 20 years
🔹 Minimum Credit Score: 640+
✅ Pros
✔ Designed specifically for full-time RVers
✔ Loans up to $2M for high-end luxury RVs
✔ Offers extended loan terms (up to 20 years)
❌ Cons
❌ Higher interest rates for lower credit scores
❌ Must finance through an RV dealership
📌 👉 Apply for Good Sam RV Financing (Coming Soon!)
📊 RV Loan Interest Rates & What to Expect in 2025
RV loan rates vary based on credit score, down payment, and loan term. Here’s what you can expect:
| Credit Score | Average APR (New RVs) | Average APR (Used RVs) |
|---|---|---|
| 750+ | 5.99% – 7.49% | 6.49% – 8.99% |
| 700 – 749 | 7.49% – 9.99% | 8.99% – 12.49% |
| 650 – 699 | 10.99% – 14.99% | 12.49% – 16.99% |
| 600 – 649 | 15.99% – 19.99% | 17.49% – 22.99% |
📌 Pro Tip: The best rates go to borrowers with 750+ credit scores and at least 20% down.
📌 FAQs – Applying for an RV Loan
❓ What credit score do you need to finance a luxury RV?
Most lenders require 650+ credit, but for best rates, aim for 700+.
❓ How long can you finance an RV loan?
Loan terms range from 12 months to 20 years, depending on the lender.
❓ Can you get an RV loan with bad credit?
Yes, but expect higher interest rates (15% – 22%). Check out RV Loans for Bad Credit (Coming Soon!).
❓ Is a 10-year RV loan a good idea?
A 10-year loan is good for lower monthly payments, but longer terms mean higher total interest paid.
🚀 Final Thoughts – Which RV Loan is Right for You?
The best RV loan depends on your credit score, loan amount, and how you plan to use the RV:
- Choose LendingTree if you want to compare multiple lenders.
- Choose LightStream if you have good credit & want the lowest rates.
- Choose Good Sam if you are a full-time RVer looking for specialized financing.
📌 Next Step: 👉 Check the Best RV Loan Rates Now (Coming Soon!)