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 $25,000. Across the 11 RV title loans in our funded-loan records from 2023 to 2026, the average funded amount was $7,200, with loans ranging from $1,800 to $9,995. We usually lend 25% to 50% of your RV’s value, based on sources such as J.D. Power RV Values.
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 can carry high interest rates, so make sure you can afford every monthly payment until the loan is paid off.
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
$7,200
Average Loan Amount
$1,800 to $9,995
Loan Range
2019
Avg Vehicle Year
11
RV Loans Funded
Based on 11 RV title loans in our funded-loan records, 2023 to 2026. RVs often carry much more value than a typical car. On request, we can review a loan of 25% to 50% of your RV’s value, which for a high-value RV may come to more than $25,000. The final amount depends on your RV’s value, your ability to repay and your state’s law.
Recent RV Title Loans Funded
Recent RV title loans from our funded-loan records, newest first. Actual loan amounts vary based on RV condition, mileage, your ability to repay the loan, and state regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2022 | Forester by Forest River | Sunseeker Ford Transit | 21,000 | $3,043 |
| 2016 | Fleetwood | Excursion | 4,800 | $6,015 |
| 2018 | Renegade | XL Motorcoach | 38,000 | $6,100 |
| 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 |
| 2023 | Thor Motor Coach | Rize | 6,000 | $1,800 |
| 2020 | Thor Motor Coach | Four Winds | 39,000 | $9,515 |
| 2019 | Thor Motor Coach | Four Winds | 34,000 | $7,285 |
| 2018 | Winnebago | Minnie Plus | 1,000 | $9,515 |
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 each RV class is titled, and what that means for your loan.
| Class & Type | Eligibility |
|---|---|
| Class A motorhome | Engine-titled in all licensed states. Includes Super-C motorcoaches. |
| Class B camper van | Titled as a motor vehicle. Eligible everywhere we are licensed. |
| Class C motorhome | Engine-titled in all licensed states. |
| Fifth wheel | Title required. Loan secures the fifth wheel only, not your tow vehicle. |
| Travel trailer | Title required. TX, MA, and OH may not title trailers under 4,000 lbs, so eligibility depends on your state. |
| Toy hauler | Same titling rules as travel trailers. |
| Pop-up camper | 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.
State titling rules current as of 2025; verify your state’s requirements before applying.
Most Interesting RVs We Have Financed
From the RV title loans in our records, a few stand out.
A luxury Super-C motorcoach valued near $160,000, a compact Winnebago Aspect and a toy hauler towed only two thousand miles in six years have all crossed our underwriting desk.
2016 Winnebago Aspect
California · funded June 2025
Compact Class C motorhome appraised at $37,000. Funded at about a quarter of value.
2019 Forest River Cherokee Wolf Pack
California · funded August 2025
Toy hauler with rear cargo bay. Towed only two thousand miles in six years.
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.
A small sample of notable RV title loans from our funded-loan records, 2023 to 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.
How Does the RV Title Loan Process Work?
The process takes four steps:
1. Start your application. Submit your RV’s year, make, model and mileage plus basic income details, and see whether you pre-qualify.
2. Qualify your RV. Send your title, ID, proof of income, proof of insurance and proof of address, and photograph the RV: all four sides, the dashboard with the odometer showing, the VIN plate and any damage. No physical inspection is needed in most cases. Final approval follows.
3. Sign and get your money. Check the total cost and the fixed installments, then sign. Loan amounts reach $25,000, and funding lands the same business day when you sign before 2 PM local time.8
4. Pay off and get your title back. Make your monthly payments for a term of up to 60 months. When the final payment clears we release the lien and return your title.
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 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 | Travel trailer | 2016 Winnebago Aspect | Class A motorhome |
|---|---|---|---|
| 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 |
*Example only, not a quote. Your APR is never above your state’s legal cap. 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
Example only, not a quote. Your APR is never above your state’s legal cap.
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 60 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 can be a useful 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. We look at your RV’s value and your income to see what you can afford to repay, not your credit score alone. 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
