📌 RV loan interest rates are constantly changing, and getting the best deal depends on your credit score, loan term, and lender choice.
In this guide, we’ll break down current RV loan interest rates, factors that affect them, and tips to secure the lowest rate.
📌 Related Guide: 👉 Best RV Loan Companies (2025) – Compare Rates
📊 RV Loan Interest Rates by Credit Score
| Credit Score | New RV Loan APR | Used RV Loan APR |
|---|---|---|
| 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% |
| Below 600 | 20.99%+ (Limited lenders) | 23.99%+ (Hard to qualify) |
📌 Pro Tip: The best rates go to borrowers with 750+ credit scores and at least 20% down.
💰 Fixed vs. Variable RV Loan Rates
- Fixed APR – Stays the same for the entire loan term (recommended for stable payments).
- Variable APR – Can change over time (riskier but may start lower).
🔹 Most lenders offer fixed rates, especially for long-term RV loans (10+ years).
📉 How to Get the Lowest RV Loan Rate
✅ Improve Your Credit Score – Pay down debts and check your credit report.
✅ Increase Your Down Payment – 20%+ helps secure better rates.
✅ Choose a Shorter Loan Term – 5-7 years typically have lower APR than 10-20 years.
✅ Compare Multiple Lenders – Use LendingTree or LightStream to check rates before applying.
📌 Related: 👉 How to Get an RV Loan with Bad Credit
📌 FAQs – RV Loan Interest Rates
❓ Can you negotiate RV loan interest rates?
Yes! Strong credit or a larger down payment can lower your rate.
❓ What is the average interest rate for a luxury RV loan?
Most borrowers see rates between 5.99% and 10.99%, depending on credit and lender.
❓ Do RV loans have prepayment penalties?
Some do—always check the loan terms before signing.
🚀 Final Thoughts: Lock in the Best Rate Today
The best RV loan interest rates in 2025 favor buyers with strong credit and larger down payments.
📌 Next Step: 👉 Compare the Best RV Loan Rates Now (Coming Soon!)