Recreational Vehicle (RV) Loans

My Utah is camping under towering pines
and a stress-free RV financing process.

Bank of Utah can help you quickly get the best loan for your dream RV.

We offer a variety of financing options for large and small RVs,
with flexible terms up to 120 months, on:

campers, fifth wheels and motor homes
trailers
boats and personal watercraft
motorcycles
ATVs
snowmobiles

Apply Today Contact a Loan Officer

Benefits of an RV Loan from Bank of Utah:

Get pre-approvals within one business day.
Enjoy low fees — keep more money for your RV.
Borrow up to 105% of the value of the RV.
Choose from multiple term options.
Buy from a dealership or a private seller.

Motor Home Rates¹

New or Used - $25,000 and Over

Max Term Available³

120 Months

APR** (as low as)⁴

7.74%

New or Used - $24,999 and Under

Max Term Available³

84 Months

APR** (as low as)⁴

7.74%

Effective Date: 03/10/2025¹ A motor vehicle equipped like a trailer for living in, but has driving capabilities so it doesn't have to be towed with a truck.
² Minimum loan amount: $2,000.
³ Terms may vary based on vehicle year and amount borrowed.
⁴ On approved credit and pending underwriting conditions.
⁵ APR based on $25,000 loan.

Loan²	Max Term Available³	APR** (as low as)⁴
New or Used - $25,000 and Over	120 Months	7.74%
New or Used - $24,999 and Under	84 Months	7.74%

Effective Date: 03/10/2025¹ A motor vehicle equipped like a trailer for living in, but has driving capabilities so it doesn't have to be towed with a truck.
² Minimum loan amount: $2,000.
³ Terms may vary based on vehicle year and amount borrowed.
⁴ On approved credit and pending underwriting conditions.
⁵ APR based on $25,000 loan.

Large RV Rates¹

New or Used - $25,000 and Over

Max Term Available³

120 Months

APR* (as low as)⁴

8.24%

New or Used - $15,000 and Over

Max Term Available³

84 Months

APR* (as low as)⁴

7.99%

New or Used - $14,999 and Under

Max Term Available³

60 Months

APR* (as low as)⁴

7.74%

Effective Date: 03/10/2025
¹ Large towable vehicles, such as travel trailers, fifth wheels and boats.
² Minimum loan amount: $2,000.
³ Terms may vary based on vehicle year and amount borrowed.
⁴ On approved credit and pending underwriting conditions.
⁵ APR and payment samples based on $25,000 loan.

Loan²	Max Term Available³	APR* (as low as)⁴
New or Used - $25,000 and Over	120 Months	8.24%
New or Used - $15,000 and Over	84 Months	7.99%
New or Used - $14,999 and Under	60 Months	7.74%

Effective Date: 03/10/2025
¹ Large towable vehicles, such as travel trailers, fifth wheels and boats.
² Minimum loan amount: $2,000.
³ Terms may vary based on vehicle year and amount borrowed.
⁴ On approved credit and pending underwriting conditions.
⁵ APR and payment samples based on $25,000 loan.

Small RV Rates¹

New or Used - $15,000 and Over

Max Term Available³

84 Months

APR**(as low as)⁴

7.99%

Payment⁵

$391.12

New or Used - $14,999 and Under

Max Term Available³

72 Months

APR**(as low as)⁴

7.74%

Payment⁵

$436.94

Effective Date: 3/10//2025*
¹ Smaller recreational vehicles, such as ATVs, UTVs, snowmobiles and motorcycles.
² Minimum loan amount: $2,000.
³ Terms may vary based on vehicle year and amount borrowed.
⁴ On approved credit and pending underwriting conditions.
⁵ APR and payment samples based on $25,000 loan.

Loan²	Max Term Available³	APR**(as low as)⁴	Payment⁵
New or Used - $15,000 and Over	84 Months	7.99%	$391.12
New or Used - $14,999 and Under	72 Months	7.74%	$436.94

Effective Date: 3/10//2025*
¹ Smaller recreational vehicles, such as ATVs, UTVs, snowmobiles and motorcycles.
² Minimum loan amount: $2,000.
³ Terms may vary based on vehicle year and amount borrowed.
⁴ On approved credit and pending underwriting conditions.
⁵ APR and payment samples based on $25,000 loan.

Apply Today Contact a Loan Officer

Tools to Get Your Recreational Vehicle

Use our financing calculator to estimate your rate and monthly payment for a new or used RV.

How Much Will My Payment Be?

Frequently Asked Questions

Do I Need to Apply for an RV Loan in Person or Can I Apply from Home or My Phone?

We have both options! You can apply at home or on the go using our convenient online application. Of course, you can always come into any Bank of Utah branch to apply for an RV loan.

My Original Loan Has a High Interest Rate. Should I Refinance My RV Loan?

Yes. Just like a house, if current RV loan rates are lower than the existing interest rate on your loan, we can help you refinance.

Does That Interest Rate Change if I Purchase or Refinance a New RV Versus a Used RV?

No. The used RV loan rate is the same as a new RV loan rate.

Is the Interest Rate Different if I Purchase an RV from a Dealership or from a Private Seller?

No. Bank of Utah has a simple process for any transaction — dealer or private seller.

Can I Borrow More Than the RV is Worth?

Yes. You can borrow up to 105% of the value of the RV. Some restrictions apply. Contact a loan officer for more details.

My Credit Score is Low. Can I Still Qualify for an RV Loan?

Each scenario is unique. Contact a loan officer to discuss your specific situation.

Recreational Vehicle (RV) Loans

Benefits of an RV Loan from Bank of Utah:

Motor Home Rates¹

New or Used - $25,000 and Over

New or Used - $24,999 and Under

Large RV Rates¹

New or Used - $25,000 and Over

New or Used - $15,000 and Over

New or Used - $14,999 and Under

Small RV Rates¹

New or Used - $15,000 and Over

New or Used - $14,999 and Under

Tools to Get Your Recreational Vehicle

Frequently Asked Questions

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