RV Loans

Get RV financing for your next great adventure

Hit the road in comfort and style

If the open road's calling your name, it may be time to travel. A recreational vehicle, or RV, makes it easy and fun to get away and explore. With more than 10 years of RV financing experience, we're ready to help you get there.

Low minimum

Access the funds you need, with loan amounts starting as low as $2,500.

Good for new or pre-owned

We offer camper financing for new or used RVs less than 5 years old.

Flexible terms

Choose the right terms for your RV loan, from 5 to 15 years.

Ask us about RV financing today
Promotional Rate

We'll help you finance your camper with an affordable RV loan

Rates as low as
6.79% APRD

RV Loan Benefits

Find your next home away from home

With more than a decade of RV financing experience, we're ready to help you get the loan you need to roam.

  • Pay for new and used recreational vehicles, travel trailers and motorhomes
  • With a required down payment of 20%, borrow up to 80% of the purchase price—or appraised value, if used
  • Get affordable monthly payments with competitive fixed rates
  • Funding options include dealerships, private sellers and refinancing

How to get started

Wondering how to apply for an RV loan? Don't worry, the process is quite similar to other types of personal loans. And as always, our expert lending team is ready to guide you through with a friendly helping hand.

Step 1

Shop around for an RV

The first step toward getting an RV loan is finding an RV, travel trailer or motorhome to buy. It could be new from a dealership or pre-owned from a private seller. Shopping around will help you find the best deal.

Step 2

Apply for an RV loan

Contact us or visit a local branch to apply for an RV loan. One of our friendly loan experts will gather information about you and the vehicle you'd like to purchase. Feel free to ask any questions throughout the process—we're here to help.

Step 3

Close your loan to receive your funds

Lastly, you'll sign closing documents to finalize your RV loan. After closing, you'll receive your funds, which could arrive in as little as 24 hours. Then you can return to the seller to buy and enjoy your new camper.

RV Loans FAQ
People often ask us

At First Citizens, the minimum credit score for an RV loan is 670. You can learn more about credit scores and how they impact lending decisions in our guide to credit scores.

Our RV loan terms vary between 5 and 15 years. The terms available to you will depend on the amount of your loan. The larger the loan amount, the longer the term may be. The average term for an RV loan is typically 5 to 10 years.

Yes. RV loans and auto loans are similar to one another—they're both simple interest loans that use the vehicle as collateral to secure the loan.

An RV typically costs more than a car, so it's common to see longer loan terms than the average 72-month car loan. Longer terms are riskier for lenders, which may be reflected in a higher interest rate.

Because it's a large purchase, the qualifications for RV loans are usually higher than for auto loans.

When you apply for an RV loan at First Citizens, our lending team will work with you to gather any personal information needed to process your application.

You'll also need to verify the following details with the dealer or seller:

  • The RV's purchase price
  • Your down payment
  • The amount to be financed
  • A full description of the vehicle—including year, make, model, engine type, Vehicle Identification Number, or VIN, and any equipment included

Yes. You can find a local branch near you to talk to us in person. We're happy to answer any questions and guide you through the requirements and paperwork to apply for an RV loan.

Insights
A few financial insights for your life

Budgeting

How to Budget for Vacation

Making a budget and being flexible can help you save on your next trip.
Creating a budget for a vacation is more than just putting money away. It's about finding savvy ways to save on every aspect of your vacation.
Debt

Do You Know How to Get a Personal Loan?

Here's the information you'll need to apply for a personal loan.
As long as you use it responsibly, getting a personal loan can help strengthen your finances and prepare you for financial success down the road.
Credit

How Personal Loans Can Help Financial Wellness

Getting a personal loan could help you consolidate your debt or increase your credit score.
Making monthly payments toward a loan tells lenders you're responsible with your debt.

Account openings are subject to normal bank approval.

Normal credit approval applies.

This application is not available for Wisconsin residents. Please call us to apply or visit your local branch.

Terms and conditions subject to change.

Annual Percentage Rate (APR) is 6.79% as of November 20, 2024, to qualifying applicants for a fixed-rate RV loan amortized over 5 years and includes an autodraft discount from a First Citizens checking account. APR is based upon a rate of 6.74% and an origination fee of $100.

For example: An RV loan with an amount financed of $80,000 at a 6.74% fixed rate and including a $100 origination fee would have an APR of 6.79%, and you would make 60 payments of $1,574 and pay total interest of $14,458.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

Bank deposit products are offered by First Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941