RV Loan Terms and Monthly Payment Examples
One advantage of financing a used RV is the availability of extended loan terms.
Common term ranges include:
• Up to 240 months (20 years) for qualified buyers and larger loan amounts
• 180-month terms beginning around $25,000
• No prepayment penalties with many RV lenders
A general industry estimate often used is approximately $10 per $1,000 financed for well-qualified buyers.
Example:
A $50,000 used RV loan may result in a payment around $500 per month, depending on rate and term.
Longer loan terms can reduce monthly payments, while shorter terms reduce total interest paid over time.
Check out our payment calculator
How Used RV Financing Works at Blue Star RV
Blue Star RV works with multiple RV lending institutions to help match buyers with the right financing structure.
Our process includes:
• Reviewing several lenders without excessive credit inquiries
• Explaining loan options clearly and transparently
• Providing full payment breakdowns before closing
• Handling paperwork in-house
• Offering same-day approvals in many cases
We assist both local buyers and out-of-state customers and can coordinate delivery across the United States.
Benefits of Financing a Certified Used RV
Financing allows buyers to:
• Purchase a higher-quality RV with manageable monthly payments
• Preserve cash for travel, upgrades, or emergency reserves
• Structure a loan around their long-term camping plans
Whether you’re financing a used motorhome, fifth wheel, or toy hauler, working with an RV-focused dealership ensures you understand your options before committing.
Start Your Used RV Financing Process
If you're ready to finance a used RV, Blue Star RV can walk you through every step. Our team has decades of RV-specific lending experience and helps buyers structure loans that fit their budget and lifestyle.
Browse our inventory of certified used RVs and request financing information to get started.
Ready to start the journey? Let’s go! Certified Used Rvs