RV Title Loans: Use Your Motorhome or Camper's Value
| What you use | A lien-free RV or trailer title in your name |
|---|---|
| Eligible types | Motorhomes; titled travel trailers and fifth-wheels at some lenders |
| Inspection | Usually in person |
| Amount | A portion of the RV's value, within lender and state limits |
| Credit | Less important; the RV secures the loan |
Put your RV's value to work
An RV is a big investment, and if yours is paid off, it can help you handle a big expense. An RV title loan works like a car title loan: you pledge the title, the lender records a lien, and you keep the RV while you repay. Because RVs often hold substantial value, offers can be larger than many other small loans.
Fewer title lenders accept RVs than cars, so the fastest way to find one is to let lenders come to you. Zebra Finance's free form reaches title lenders in our network that serve your state, some of which consider RVs.
See if you qualify — it takes about 3 minutes. Free to use, no obligation to accept an offer.
Which RVs can qualify
- Motorhomes (Class A, B and C), which are titled like motor vehicles
- Travel trailers and fifth-wheels, which many states title, though rules vary
- Truck campers and pop-ups, which some states title and others don't
The RV generally needs a title in your name with no liens and current registration. Many RVs are bought with long-term loans; if yours still has one, see title loans on a financed vehicle, since the same rules apply.
How lenders value an RV
Lenders consider make, model, year, length, mileage or engine hours, slide-outs, appliances and overall condition. The roof, seals, floors and ceilings get a close look, because water damage affects value most. Many lenders also set a maximum loan regardless of value, and your state may cap amounts too.
Get the best valuation: bring maintenance records, show recent roof or seal work, and clean the interior before inspection. Ask the lender what value it used. Recent listings for the same model and year can support your number.
What to bring
- The RV or trailer, for inspection; ask about arrangements for large motorhomes
- The lien-free title in your name and current registration
- Government photo ID
- Proof of insurance on the RV
- Proof of income and residence, if required
- Keys, and for towables, the hitch details
For towables, be ready to share where the trailer is stored. Because large motorhomes don't always fit at a lender's location, some lenders inspect at your storage site or accept a detailed photo and video walk-through first. Ask which option they use when you're contacted, and have photos of the exterior, interior, odometer or hour meter, and VIN plate ready to speed things along.
Title and registration ready? See if you qualify — it takes about 3 minutes. Free to use, no obligation to accept an offer.
What it costs
Fees are set by state law and the lender, and every offer shows the finance charge in dollars and the total to repay. Because the finance charge is figured on the amount borrowed, the most useful step with an RV is to borrow the amount you need rather than the most you're offered. Larger amounts may come with installment options, where allowed, that spread payments over months. Your lender shows the exact APR and terms before you sign.
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Five quick checks before you apply
- Is the title clear? If it shows a lienholder, you'll need a payoff and release first.
- Does your state title your RV type? Motorhomes are titled as vehicles; trailer rules vary.
- What's it worth? Look up comparable listings and be honest about condition.
- Can you keep it insured and stored properly for the whole loan? Contracts may require both.
- How much do you need? Size the request to the bill, not to the RV's value.
Using and repaying the loan
Read your contract's terms on travel and storage, since some limit taking the RV out of state during the loan. Keep coverage active. Choose a payment plan that fits income you know is coming, and call your lender early if you'd like to discuss options. If a loan isn't repaid as agreed, the lender can repossess the RV under your state's rules, so if you live in your RV full time, a personal loan through our same form may be the better fit.
Many title lenders don't pull a traditional hard credit report from the major bureaus and may use alternative credit data, so bad credit is OK to apply.
Title loan rules vary by state, including amounts, fees and terms; see title loan laws by state. If title loans aren't offered where you live, our form can connect you with personal loan lenders instead, no vehicle needed. Active-duty servicemembers and dependents generally can't use a vehicle title as security with non-bank lenders under the Military Lending Act.
When you make the final payment, ask for a paid-in-full letter. Depending on your state, the lender returns the paper title signed off, sends a lien release you file with the motor vehicle agency, or releases an electronic lien directly.
Apply through Zebra Finance
We're a free loan-matching service, not a lender. One form reaches title lenders in our network that serve your state, and some may consider RVs. Lenders decide and set terms; you'll see the full offer before you sign, and you can decline. Also own a bike? See motorcycle title loans.
Let your RV help. See if you qualify — it takes about 3 minutes. Free to use, no obligation to accept an offer.
Frequently asked questions
Can you get a title loan on a camper or RV?
Yes, at title lenders that accept RVs, if the motorhome, camper or travel trailer is titled in your name with no liens and is registered. Fewer lenders accept RVs than cars, and most want an in-person inspection. Our free form reaches lenders in our network that serve your state, some of which consider RVs.
How much can I borrow on an RV title loan?
Lenders offer a portion of the RV's appraised value, and both the lender and your state may cap the amount. RVs can support larger offers than many cars. Because the finance charge is figured on what you borrow, request the amount you need. Your offer shows the exact amount, fee and total.
Can I get a title loan on a travel trailer?
Possibly, if your state issues a title for it and the lender accepts towables. Many title lenders focus on motorized vehicles, so a form that reaches several lenders at once saves time. You'll usually need to show the trailer for inspection along with the title, registration and ID.
Can I get an RV title loan with bad credit?
Often yes. The RV secures the loan, so title lenders focus mainly on its value, your ID and your ability to repay rather than your credit score. Many don't pull a traditional hard credit report and may use alternative credit data. Approval isn't automatic, but every credit type is welcome to apply.
Can I get an RV title loan if I live in my RV?
Some lenders may consider it, but since the RV secures the loan, think about whether a personal loan suits you better. A personal installment loan doesn't use your home as collateral, has fixed monthly payments, and is available through the same free form, with all credit types considered.
Sources
- eCFR — 12 CFR Part 1026 (Regulation Z, Truth in Lending disclosures)
- eCFR — 32 CFR Part 232, Military Lending Act rule