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Recreational Vehicle (RV) Loans 

Rates so good you’ll want to take the scenic route.

Floridacentral RV Loans help eligible borrowers finance new and used recreational vehicles, travel trailers, campers, and qualifying motorhomes. With competitive rates, flexible repayment terms, pre-approval options, and local lending decisions, you can start your next adventure with confidence. 

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CALCULATE YOUR PAYMENT  

Get the Full Florida Experience Without Hurting Your Budget

Floridacentral RV Loans can be used to finance eligible new and used recreational vehicles, travel trailers, campers, and qualifying motorhomes. Rates are available as low as 6.99% APR1, with terms up to 72 months and up to 120 months for qualifying recreational vehicles.

Loan Features

  • Get pre-approved before visiting the dealership so you know your budget and can potentially strengthen your negotiating position.
  • Refinance an eligible RV loan from another financial institution to potentially lower your interest rate, reduce your monthly payment, or adjust your loan term.
  • Protect yourself from the unexpected with our payment protection options

Get Pre-Approved Before You Shop

Pre-approval helps you understand your budget before visiting a dealership and gives you additional confidence when it’s time to make your purchase.

Additional Benefits

  • Shop knowing your approved budget
  • Strengthen your negotiating position
  • Refinance your current RV loan from another lender
  • Payment protection options available
  • Personalized guidance from Floridacentral’s lending team
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RV Loan Rates

Review current rates for eligible new and used recreational vehicles, travel trailers, campers, and qualifying motorhomes. Your final rate depends on factors such as creditworthiness, vehicle type, loan amount, and repayment term.

Loan TypeAPR2Term3
Recreational Vehicle – Newas low as 6.99%Up to 120 months
Recreational Vehicle – Usedas low as 7.05%Up to 120 months

New RV:
A Recreational Vehicle loan on a New RV with a term of 72 months, an APR of 6.99%, and no down payment would have an estimated monthly payment of $17.05 per thousand dollars borrowed.

Used RV:
A Recreational Vehicle loan on a Used RV with a term of 72 months, an APR of 7.05%, and no down payment would have an estimated monthly payment of $17.08 per thousand dollars borrowed.

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Estimate Your Monthly Payment  

Use our RV loan calculator to estimate your monthly payment based on the loan amount, interest rate, and repayment term you’re considering. 

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RV Loan FAQs

Have questions about financing your next RV? We’re here to help.

Yes. Floridacentral offers financing for both new and used RVs, travel trailers, and campers, subject to credit approval and vehicle eligibility.

Yes. Pre-approval helps you understand your budget before visiting a dealership and can strengthen your negotiating position.

Yes. If your RV loan is with another financial institution, refinancing with Floridacentral may help you lower your rate or monthly payment, depending on your qualifications.

Loan terms are available for up to 72 months, with terms up to 120 months available for qualifying recreational vehicles, depending on your qualifications.

You’ll typically need a valid photo ID, proof of income, and information about the RV you’re purchasing. Our lending team will let you know if any additional documentation is needed.

Eligible recreational vehicles may include motorhomes, travel trailers, campers, fifth wheels, and other qualifying RVs. Vehicle eligibility depends on factors such as the year, make, model, condition, and lending requirements.

Although you mention this elsewhere, make it its own FAQ because it’s a very common search.

Yes. Floridacentral offers financing for eligible new and used recreational vehicles, subject to credit approval and vehicle eligibility.

Visit our Help Center for more frequently asked questions or contact our team. We’re here to help you find the financing that’s right for your next ride.

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Disclosures

1 APR - Annual Percentage Rate based on individual applicant’s creditworthiness, year, make, model of vehicle, and term of the loan. Rates effective September 30, 2026. Restrictions apply.

2 APR - Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness, the year, make and model of vehicle, and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Terms up to 120 months are available for Recreational and Watersport vehicles. Rates effective as of September 30, 2026.

3 May be eligible for longer terms, subject to approval, rate may be higher.