Used RV Financing

Buying used is the smart money move on an RV, and it is very financeable. The one thing to understand is that a lender prices a used rig differently than a new one, mostly around age and mileage.

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Used RV financing

How used RV loans work

A used RV loan is the same secured installment loan as a new one, with the rig as collateral. The difference is that lenders set a maximum age they will finance and often cap the term based on how old the unit is.

We connect you with a vetted lending partner and show your options with a soft credit check. Because used units cost less, a very cheap rig can fall below a lender's minimum loan amount, which simply points you to a different loan product.

Age & terms

How age and mileage change your loan

The older the RV, the shorter the maximum term most lenders will offer, and sometimes the higher the rate, because the lender is pricing in faster depreciation. A clean, well-kept rig in a popular class usually gets the friendliest terms.

An independent pre-purchase inspection protects both you and the loan, and our used RV value guide helps you confirm the price is fair before you finance it.

Best rate

Getting a competitive used-RV rate

Bring your own pre-approval, put something down, and know the rig's fair market value going in. Those three moves do more for your used-RV rate than anything the dealer finance office will offer. Checking your rate with us is a soft pull and costs nothing.

RVBrokers is not a lender. We connect you with vetted lending partners, and we take $0 on your financing. Rates, terms, loan minimums, and approval are set by the lender and depend on your credit, the RV, and the loan amount, not your ZIP code. Pre-qualification uses a soft credit check that does not affect your score. No cost and no obligation.

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RV financing FAQ

Common questions

Can you finance a used RV?

Yes. Used RVs are very financeable as a standard secured RV loan. Lenders set a maximum age they will finance and often cap the term based on the unit's age, but a well-kept rig in a popular class usually gets friendly terms.

What are the terms for used RV financing?

On qualifying loans, terms can still run long, though older units typically carry a shorter maximum term than new ones. Rate and term depend on the rig's age, the loan amount, and your credit, not on your location.

Is the interest rate higher on a used RV?

Sometimes slightly, because lenders price in faster depreciation on older units. Strong credit, a down payment, and a newer used rig all help keep the rate competitive.

Is there a minimum loan amount for a used RV?

Many lenders have a minimum loan amount, so a very inexpensive used rig may fall below it. In that case a different loan product can fit. A quick pre-qualification shows which lane you are in.

Talk to a human

See your used RV loan options

Know the rig's value and your real rate before you sign. Soft credit check, no obligation.

Get pre-approved Call 1-877-801-3190