What information do I need to apply for an RV loan?

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

RV Loans & Camper Financing | First Citizens Bank

Hit the road in comfort and style

If the open road's calling, it may be time to travel. We offer recreational vehicle, or RV, loans and camper financing for new and used RVs, motorhomes and travel trailers. With more than 10 years of RV financing experience and competitive fixed rates from 6.19% APR, we're ready to help you explore.

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

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

Rates as low as
6.19% 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 and competitive fixed rates with an RV camper loan
Funding options include dealerships, private sellers and refinancing

Applying for an RV loan is similar to other types of personal loans. Here are the steps you'll need to take to apply for new or used RV financing with First Citizens.

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 RV financing

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

Sign closing documents to finalize your recreational vehicle financing. 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 Calculator
Use our simple calculator to estimate your RV loan payments

Paying off your loans in a timely and consistent manner will allow you to stay on top of debt and maintain healthy credit. This RV loans calculator will help keep you on track by determining your RV financing terms. Simply enter your loan amount, the number of years in your loan term and the loan's interest rate.

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 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 RV 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 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 RV financing.

Yes. We offer RV loans, also known as RV camper loans, for new and used recreational vehicles, motorhomes and travel trailers that are less than 5 years old. For questions about used RV financing, camper financing or travel trailer financing, contact us or visit a local branch today.

We offer RV loans and camper financing for new and used recreational vehicles, motorhomes and travel trailers with competitive RV loan interest rates from 6.19% APR.