Wondering how to buy a used RV? A personal loan may help.

If you need financing for a used RV, a personal loan could be just what you’re looking for. If you choose to apply, we consider your credit score and history, debt-to-income ratio and other factors.
 

Personal loan details and benefits

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As low as X% APR1

If approved, you’ll pay the same amount every month for a term of 12 to 84 months (a maximum of 60 months for non-clients), with a fixed annual percentage rate (APR) ranging from X% to 24.99%.1

Varying loan amounts

U.S. Bank clients may be eligible to borrow at least $1,000 up to $50,000. Those who aren’t U.S. Bank clients may be able to borrow up to $25,000.

No hidden costs or fees

With a personal loan from U.S. Bank, you’ll pay no origination fees and there is no prepayment penalty. You’re always free to make loan payments in full or make additional payments at any time.

No collateral required

A personal loan doesn’t require your home or car as collateral, so you won’t have to deal with inspections or appraisals.

Not a U.S. Bank client? Explore our checking account options.

Use this personal loan calculator to estimate your monthly payment.

What’s your desired loan term?

Enter a loan term from 12 to 84 months.
Choose a credit score range.

Would you prefer to buy a used RV from a dealership?

Browse and apply for a new or used RV from the dealerships that participate in the U.S. Bank RV financing program. If you’re approved, the dealer will have your pre-approval ready when you arrive for a smoother purchase process.

Learn more about RV shopping with U.S. Bank

Tips on buying a used RV from a private seller

Research the RV’s history.

Ask for records showing the RV’s maintenance and repairs. Use the VIN to see if the RV has been in accidents or has other problems.

Contact the seller to do a walk-through and a test drive.

When you’re buying an RV from a private seller, contact them to see and test drive the vehicle. Check the roof, walls and floors for leaks, cracks or soft spots. Test plumbing, electrical, heating, cooling and appliances. Look at the tires for wear and age and inspect the RV’s frame for rust or damage. If it’s a motorhome, take a test drive to evaluate its handling, brakes and engine performance. For towable RVs, hook it up to your vehicle and check compatibility, towing ease and electrical connections.

If you’re unsure about anything, hire a Recreational Vehicle Industry Association (RVIA) certified inspector or mechanic for help.

Plan for transportation and get insurance.

Arrange to tow or drive the RV home and make sure you have insurance. Some states might require proof of insurance before you can officially register the RV.

Line up financing.

Make sure you have the funds necessary for the purchase. If you need financing, you may want to get pre-approved before you start shopping.

Negotiate the price.

Use resources such as NADA guides or Good Sam valuations to determine the RV’s fair market value. If you found any issues during your inspection, use those to negotiate a price that reflects the RV’s true condition. Be prepared to walk away if you can't agree on a price that you’re comfortable with.

Verify the legal documentation.

Make sure the RV has a clear title, no outstanding liens, and that its identification numbers match the documentation. Every state has its own registration process, so look into yours. You may need:

  • A clear and transferable title (original, not a copy)
  • A legal (notarized) bill of sale
  • VIN verification (camper weight must be on the VIN verification; it can't be n/a)
  • Proof of emissions testing
  • Proof of insurance
  • Temporary license plates
  • Proof of paid taxes or money to pay the tax during registration

Find out more about RVs and loans.

How to choose the right RV

Learn about different RV styles and hit the road in your dream vehicle.

Explore RV types

Costs of owning an RV

Consider the long-term costs of RV ownership when budgeting for your purchase.

Learn about RV expenses

What’s a good credit score?

Know your score before applying for loans and lines of credit.

Learn more about credit scores

Get started or contact us.

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Disclosures

Personal loan: As of March 3, 2025 the fixed Annual Percentage Rate (APR) ranged from 7.99% APR to 24.99% APR, and varies based on credit score, loan amount, purpose, term and automatic payment selection. The minimum loan amount is $1,000 and loan terms range from 12 to 84 months (up to 60 months for non-clients). The lowest APR in the range is available on loans of $10,000 or more with a term of 12–36 months, a credit score of 800 or greater, the purpose of home improvement and includes a discount for automatic payments from a U.S. Bank or an external personal checking or savings account. Automatic payments and U.S. Bank personal checking or savings accounts are not required for loan approval. Electronic funding to a non-U.S. Bank account requires verification and can take one to four business days. Not all loan programs are available in all states. The Consumer Pricing Information disclosure lists fees, terms, and conditions that apply to U.S. Bank personal checking and savings accounts. This disclosure can be obtained by visiting a U.S. Bank branch or calling 800-872-2657. Loan payment example: on a $10,000 loan for 36 months, monthly payments would be $313.32 and APR of 7.99% with automatic payments from a personal checking or savings account and for the purpose of home improvement. Maximum loan amounts may vary by credit score. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.

Installment loans are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association. Member FDIC.