RV financing without the dealership finance office.
Motorhome, travel trailer, or fifth wheel — financed with fixed payments sized for a vehicle you will use on weekends and long trips, not one you drive to work every day.
Fixed rates from
9.49%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- A Class A, B, or C motorhome
- A travel trailer, fifth wheel, or toy hauler
- A private-party RV purchase paid from your account
- A generator, solar, hitch setup, or first-trip outfitting
Why a Lightstream loan.
Skip the RV finance office
RV dealers route your credit through several lenders and mark up the winning rate. Arriving with a fixed-rate loan already in place removes that layer entirely.
One fixed payment, seasonal use
An RV earns its keep on weekends and summers, but the payment stays flat year-round and never floats with the recreational-vehicle lending market.
Buy from a dealer or an owner
Funds in your account make you a cash buyer at a dealership or a private seller’s driveway, so you shop the RV, not the financing.
No lien to clear later
Unsecured means no title lien to release when you trade up or sell — and no prepayment penalty if you pay it down between seasons.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 9.49%–20.49% | $320.28/mo |
| 4 years | 10.29%–21.29% | $255.02/mo |
| 5 years | 11.19%–22.19% | $218.37/mo |
| 6 years | 11.19%–22.19% | $191.32/mo |
| 7 years | 12.29%–23.29% | $178.08/mo |
| 10 years | 12.29%–23.29% | $145.15/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
RV finance offices shop your application to multiple lenders and add a markup to the rate they accept. A direct fixed-rate loan skips the markup, and because funds go to your account, you negotiate the RV’s price as a cash buyer rather than around a monthly payment.
Yes. Funds are deposited to your account, so a private-party motorhome or trailer purchase works like a dealer sale — you pay the seller directly and complete the title transfer with them.
No. Because the loan is unsecured, a large Class A and a compact travel trailer are underwritten the same way — on your credit and income — rather than on the RV’s type or age.
Yes. Size the loan to cover the RV plus a solar setup, a weight-distributing hitch, or first-trip gear, since the money funds to your account rather than only to the dealer.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.