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Couple relaxing in front of their RV and campfire.

RV Loans

RV financing

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Find your fun in a recreational vehicle.

From epic road trips to cozy campsites, our RV loans can help you get behind the wheel of the recreational vehicle that’s perfect for your lifestyle.

You’ll get flexible terms, competitive rates and a quick approval process with funds usually available within a day. 

Apply now  Call 877-373-3733

Recreational Vehicle Loan Rates*

Save 0.25% off your interest rate

  • For having your payment automatically deducted from your Commerce checking or savings account.1

  • An additional 0.25% is available when $7,000 or more of the loan is refinanced from another lender.1

Apply for an RV loan

RV loan terms

Take advantage of flexible terms — long, short or somewhere in the middle. Let’s find an RV financing plan that works for your unique needs.

Recreational Vehicle icon

 Get an RV loan in 3 easy steps

#1 icon

Apply online, over the
phone or at a branch

#2 icon

Finalize your financing
as early as same-day

#3 icon

Receive loan funds
deposited into your account


Need to refinance your RV? We can help.

If you want to lower your monthly payment — either with a lower interest rate or extended term2 — we offer flexible terms at competitive rates.

Shop with confidence after you get preapproved.

Ask your banker how applying for preapproval on an RV loan can simplify your search before you visit the dealership. We’ll give you a clear picture of what you can afford with your requested loan term and amount.

Call 877-373-3733

RV loan FAQs

RV loan terms can vary depending on what you need — long, short, or in between — speak to a banker today to find a financing plan that works for you.
In some situations, the interest on an RV loan may be tax deductible — consult your tax advisor to be sure.
No. An RV loan is a type of installment loan. While similar to a fixed rate mortgage in that there are fixed monthly payments for the life of the loan, it is not considered a mortgage.
Buying a new or used RV should be your decision. However, you can use these calculators to help plan a budget and make the decision on which RV is right for you:
How much RV can I afford?
What would my RV payments be?
Should I refinance my RV loan at a lower rate?
How long until my RV is paid off?
There are several factors considered when looking at loan eligibility. Credit history, ability to repay, and collateral are just a few of those factors that help determine loan eligibility. If you have questions about your loan eligibility, contact us at 877-373-3733.


  • Rates are subject to change. These rates are available only for RV loans, including associated motors, trailers, etc. Your APR will be determined based on creditworthiness, age of collateral, and length and amount of loan. Must be 18 years or older to apply. Subject to credit approval.
  1. Rate discounts cannot be combined with any other offer. Mortgages, dealer loans and refinances of Commerce Bank loans are not eligible to receive these rate discounts. Refinancing discount is limited to one discount per new installment loan and does not apply to Commerce credit card or loan account payoffs. In order to qualify for refinancing discount, must refinance $7,000 or more of debt from another lender.
  2. Extending your loan term will increase the amount of your total finance charges.
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