RV Title Loans
Cash Without Selling Your RV
Quick Summary: RV title loans let you use your RV’s value to get cash while keeping and using it for travel, camping, and everyday trips.
Our loan amounts may go up to $50,000, although our funded-loan data from the last 3 years (across 255 RVs we have funded) shows the average funded amount was $7,500, with most loans ranging from $2,500 to $18,000. As a general rule, many borrowers qualify for around 50% of the RV’s NADA low retail value.
Approval is based mainly on your RV’s value and your ability to repay, with much less focus on credit score. Same-business-day funding may be available if completed early enough.8
Like other title loan services, RV title loans place less emphasis on credit score and use the vehicle as collateral. They may carry high interest rates and are generally recommended for short-term emergency needs.
We encourage choosing a payment that fits your budget. Paying off the loan early can reduce total interest costs, and we do not charge any prepayment penalties.
RV Title Loans by the Numbers
$7,500
Average Loan Amount
$2,500 to $18,000
Typical Loan Range
2015
Avg Vehicle Year
255
Loans Funded
Based on 255 RV title loans funded across all 5 Star Car Title Loans service states from 2023 to 2026. Actual loan amounts vary based on your RV’s condition, mileage, your ability to repay the loan, and state regulations. Program ceiling is $50,000.
Recent RV Title Loans Funded
Recent RV loans funded by 5 Star Car Title Loans. Actual loan amounts vary based on RV condition, mileage, your ability to repay the loan, and state regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2018 | Renegade | XL Motorcoach | 38,000 | $50,000 |
| 2022 | Coachmen | Freedom Exp Ultra Lite | 8,000 | $9,396 |
| 2020 | Thor Motor Coach | Freedom Elite | 90,000 | $9,995 |
| 2019 | Cherokee by Forest River | Wolf Pack Toy Hauler | 2,000 | $7,105 |
| 2016 | Winnebago | Aspect | 26,535 | $9,415 |
| 2013 | Thor Motor Coach | Four Winds | 55,760 | $6,500 |
| 2022 | Thor Motor Coach | ACE | 16,013 | $18,000 |
| 2009 | Coachmen | Freedom Express | 1,012 | $3,600 |
| 2017 | Keystone | Bullet Crossfire | 19,404 | $3,025 |
| 2014 | Thor Motor Coach | Four Winds | 96,762 | $2,575 |
Most Common RVs Financed
| Make | Avg. Loan Amount | Avg. Vehicle Year | Loans Funded |
|---|---|---|---|
| Forest River | $7,100 | 2015 | 68 |
| Jayco | $7,400 | 2017 | 44 |
| Winnebago | $9,000 | 2015 | 32 |
| Coachmen | $7,200 | 2012 | 26 |
| Keystone | $7,200 | 2014 | 26 |
| Thor Motor Coach | $7,300 | 2017 | 25 |
| Heartland | $8,100 | 2013 | 15 |
| Gulf Stream | $6,200 | 2013 | 10 |
| Dutchmen | $6,700 | 2016 | 7 |
Top 9 RV makes financed by 5 Star Car Title Loans, based on 255 funded RV title loans from 2023 to 2026.
RV Classes & Types We Finance
RV class matters more than people expect. A Class A diesel pusher and a pop-up tent camper are both called RVs, but they title differently, carry very different values, and follow different eligibility rules.
Here is how the 255 RVs we have funded break down by class, along with what you can expect for each.
| Class & Type | Largest Loan | Eligibility |
|---|---|---|
| Class A motorhome | $50,000 | Engine-titled in all licensed states. Includes Super-C motorcoaches at the program ceiling. |
| Class B camper van | $12,500 | Titled as a motor vehicle. Eligible everywhere we are licensed. |
| Class C motorhome | $18,000 | Engine-titled. Our most common motorhome class. |
| Fifth wheel | $10,000 | Title required. Loan secures the fifth wheel only, not your tow vehicle. |
| Travel trailer | $13,000 | Title required. TX, MA, and OH may not title trailers under 4,000 lbs, so eligibility depends on your state. |
| Toy hauler | $12,000 | Same titling rules as travel trailers. |
| Pop-up camper | $7,200 | Case by case. Some fall under state weight thresholds for required titles. |
Two RV types we generally cannot finance:
- Truck campers (slide-in units). These typically share a title with the truck, so we lend against the truck instead.
- Mobile and manufactured homes. These are not RVs in most state titling systems. If your unit has a HUD certification label rather than a motor-vehicle title, it is not eligible.
Class breakdown based on 255 RV title loans funded by 5 Star Car Title Loans, 2023 to 2026. State titling rules current as of 2025; verify your state’s requirements before applying.
Most Interesting RVs We Have Financed
Out of 255 RV title loans funded, a few stand out.
A luxury Class A motorcoach valued near $160,000, a Sprinter-based camper van with eighty-five thousand miles, a toy hauler towed less than two thousand miles in six years, and a fifth wheel that has barely left its seasonal lot have all crossed our underwriting desk.
2024 Thor Motor Coach ACE
Florida · funded December 2024
Thor’s gas Class A motorhome at sixty-two thousand miles. Funded at a conservative loan-to-value.
2020 Winnebago Travato
California · funded November 2024
Winnebago’s RAM ProMaster-based camper van. Eighty-five thousand miles on the clock, funded at a conservative loan-to-value.
2013 Winnebago Minnie Winnie
California · funded March 2025
Cab-over Class C motorhome with nearly one hundred thousand miles on the engine, still approved at a healthy loan-to-value.
2016 Winnebago Aspect
California · funded June 2025
Compact Class C motorhome appraised at $37,000. Funded at about a quarter of value.
2011 Keystone Cougar
Texas · funded January 2025
Towed under two thousand miles in fourteen years. Kept stationary at a seasonal site.
2019 Forest River Cherokee Wolf Pack
California · funded August 2025
Toy hauler with rear cargo bay. Towed only two thousand miles in six years.
2006 Heartland Pioneer
California · funded April 2024
Twenty years old and kept under cover. At this age, condition matters more than mileage, but the unit still passed appraisal against a defensible book value.
2009 Coachmen Freedom Express
California · funded September 2024
From Coachmen’s ultra-lite travel trailer line. Barely towed in well over a decade and holding residual value.
2020 Winnebago Micro Minnie
California · funded February 2024
Winnebago’s compact travel trailer. The smallest class we lend on, with strong residual value for its size.
2018 Renegade XL Motorcoach
California · funded January 2026
Custom Super-C motorcoach on a heavy-duty truck chassis. The highest-value RV we have ever underwritten, funded at the program ceiling.
A small sample of notable RV title loans funded by 5 Star Car Title Loans between 2023 and 2026. Loan-to-value is based on the appraised RV value at funding, with appraisals consistent with industry-standard sources: J.D. Power RV Values (formerly NADA Guides) and current listings on RV Trader. Past loan amounts do not guarantee an offer for any individual RV. Photos via Wikimedia Commons: Winnebago Travato by DestinationFearFan (CC BY-SA 4.0).
How Does the RV Title Loan Process Work?
The process is straightforward:
1. Application: Submit your RV details and basic financial information.
2. Evaluation: We review your RV’s market value, condition, and your income.
3. Approval & Lien Placement: If approved, a lien is added to your RV title in exchange for the loan.
4. Funding: Loan amounts can go up to $50,000, with funds often available within one business day.8
5. Repayment: Make monthly payments for up to 48 months. Once complete, the lien is removed.
Requirements to Qualify for RV Title Loans
To qualify for RV title loans online, you’ll need to meet a few basic requirements:
- Age: You must be at least 18 years old.
- Clear Title: Ensure there are no liens or holds on your RV or mobile home title.
- Valid Title: The RV title must be current and in your name.
Additional required documents include*:
- Government-issued ID (such as a driver’s license)
- Proof of insurance (in some cases)
- Proof of income or repayment ability
- Photos of the RV
*Disclaimer: Some additional documents may be required depending on the specific loan and credit criteria.
Example of How a Typical RV Title Loan Works:*
| Examples | 2020 Winnebago Micro Minnie | 2016 Winnebago Aspect | 2024 Thor Motor Coach ACE |
|---|---|---|---|
| Vehicle Value | $22,000 | $37,000 | $72,000 |
| Title Loan Amount | $7,700 | $9,415 | $13,500 |
| Loan Term | 24 Mo. | 24 Mo. | 24 Mo. |
| APR | 99% | 99% | 99% |
| Fees | $100 | $100 | $100 |
| Monthly Payment Amount | $747 | $913 | $1,309 |
*Our repayment schedules don’t include prepayment penalties or hidden fees. Examples reflect real RVs we have funded; actual offers depend on your RV’s appraisal, your ability to repay, and state law.
Real-World Example: Keep the Keys and Get Cash
Imagine you own a 2016 Winnebago Aspect Class C motorhome, valued at $37,000.
With an RV title loan, here is what your financing could look like:
- Loan amount: $9,415 (about 25% of the RV’s value)
- Loan term: 24 months
- Interest rate (APR): 99%
- Estimated monthly payment: $913
Why Pay Off Early? Save Big on Interest
At 5 Star Car Title Loans, we never charge any fees if you pay off your loan early. Paying off your loan sooner can save you a lot of money, and we want every borrower to understand how that works.
RV title loans, like other vehicle equity loans, carry a high APR. Cancelling future interest by paying off early has a meaningful impact on what you owe.
The sooner you pay it off, the more money you keep in your pocket.
Example: What Happens If You Pay Off in 6 Months
Let’s say you borrow $9,415 at $913 per month over 24 months at 99% APR.
- If you take the full 24 months, you’ll pay around $21,912 in total.
- But if you pay off the remaining balance in just 6 months, your total cost drops to about $13,887.
That Means You Save About $8,025 In Interest!
Key Benefits of RV Title Loans
RV title loans offer several advantages over traditional car title loans:
- Higher Loan Amounts: RVs typically have higher value than cars, allowing you to borrow more money.
- Flexible Terms: Loan terms can be up to 48 months, offering flexibility in repayment.
- No Perfect Credit Required – Approval is based on collateral value and income, not just credit history.
- Keep Using Your RV – You don’t lose access to your motorhome or camper.
- Alternative Income Accepted – Employment isn’t always required; proof of income from other sources may qualify.
Potential Disadvantages and Risks of an RV Title Loan
A title loan is a useful short-term tool, but it is not the right fit for every borrower. Read these risks honestly before signing.
- Risk of repossession. If you cannot make payments, the lender has the legal right to repossess your RV and sell it to satisfy the debt. State law governs notice periods and your right to redeem the vehicle before sale. Before missing a payment, contact us. Many short-term hardships can be addressed without repossession.
- For full-time RVers, your RV is also your home. If you live in your RV full-time, repossession means losing both your transportation and your residence at the same time. If this applies to you, talk with a HUD-approved housing counselor before borrowing.
- Fit the payment to your budget. Only commit to a monthly payment you can comfortably afford alongside rent or mortgage, insurance, fuel, and other fixed costs. A payment that crowds out essentials turns a short-term need into a longer-term hardship.
- Compare the APR before you sign. RV title loans typically carry a higher APR than personal loans, credit cards, or HELOCs. Compare offers side by side. See our interest rate explainer and the CFPB’s What is a vehicle title loan? page when weighing alternatives.
- Borrow only what you need. The maximum we can lend is not the amount you should ask for. A smaller loan means a smaller monthly payment, faster payoff, and less total interest. Take the minimum that solves your specific need.
Are RV Title Loans Right for You?
RV title loans are a high-cost option for fast cash when you have equity in your RV. Because the APR is high, consider lower-cost options first, such as personal loans, credit cards, or a HELOC.
If a title loan still fits your situation, compare lenders and pick payments your budget can handle. Not sure? Read our Is a Title Loan Right for You? guide first.
Frequently Asked Questions
Can I get an RV title loan with an out-of-state title?
Yes, if we are licensed in the state where your RV is titled. The state of title controls eligibility, not where you currently park your RV. Read our out-of-state title loan guide for details.
What if the RV title is not in my name?
The title must be in your name to qualify. If you recently bought or inherited the RV, retitle it before applying. See our guide on getting a title loan when the title is not in your name.
Can I refinance an existing RV title loan with 5 Star?
Yes. We can sometimes refinance an existing title loan from another lender at better terms. The new loan pays off the old one and you keep using your RV. Read should you refinance your title loan? first.
Do I need good credit to qualify?
No. Approval is based mainly on your RV’s value and your ability to repay, with much less focus on credit score. Learn about our bad-credit title loan approach.
How fast can I get funded?
Funds are often available within one business day after approval, if your application is completed early in the day.8
