Flexible Florida RV Loans | Trust Seacoast Bank

Q: Do I need a down payment for an RV loan?

Yes, most RV loans require a down payment. A larger down payment can lower your monthly payments and reduce the total amount of interest paid over time.

Q: Can I get pre-qualified for an RV loan?

Yes, you can get pre-qualified for an RV loan by submitting your financial details. Pre-qualification gives you an estimate of the loan amount and terms you may qualify for based on your credit score and income.

Q: Are there any prepayment penalties on RV loans?

No, Seacoast Bank does not charge penalties for paying off your loan early. This gives you the flexibility to pay down your loan faster if you choose.

Q: How is an RV loan different from an auto loan?

Though both loans are used to finance vehicles, RV loans often have longer terms and may require more documentation due to the larger loan amounts involved. Additionally, RV loans can be used for both motorized RVs and towable trailers.

Q: Can I refinance my current RV loan?

Yes, Seacoast Bank offers refinancing options for both new and used RVs. Refinancing could help you secure a lower interest rate or better loan terms.

Whether you're a part-time explorer or planning to hit the road full-time, Seacoast Bank provides tailored loan programs for recreational vehicles designed to meet your unique needs.

Seacoast RV & Motorhome Loan Features

Here are some key features of our RV loan offerings:

Low rates starting as low as 8.25% APR¹
Flexible terms designed to accommodate various loan amounts
No penalties for paying off your loan early
Fast approval process, with online document sharing and e-signature options

RV Loan Requirements & Lengths

Depending on your credit score, income, and down payment, loan terms can vary. Seacoast Bank offers flexible loan lengths, from short to long-term options:

Short-Term Loans (up to 48 months): Enable you to pay off your RV faster and save on interest. Monthly payments are higher, but you minimize overall interest costs.
Medium-Term Loans (49 to 84 months): Enjoy a balance between manageable payments and a reasonable payoff period. Ideal for those seeking flexibility without a long-term commitment.
Long-Term Loans (85-180 months): Lower monthly payments for those prioritizing affordability. Keep in mind, longer terms mean paying more in total interest over time.

To explore which loan term works best for your budget and lifestyle, try our RV Loan Calculator.

How to Apply for an RV Loan

Applying for an RV loan with Seacoast Bank is a quick and straightforward process. Here’s how you can get started:

Gather Your Information: You will need to provide your driver’s license, income verification and collateral information, along with the approximate price of the RV you are looking to finance.
Submit Your Application: Our secure electronic application makes it easy to start the process from anywhere. You can save your application to return to it later if needed.
Receive a Fast Decision: A local Florida lender will get in touch with you, often within one business day, to update you on your loan approval status.

Start Your Adventure Today

Apply for a Seacoast RV Loan and hit the road with flexible terms and competitive rates. Enjoy fast approval and no early payoff penalties. Get pre-qualified now!

Apply Now

Quick, Easy Applications

At Seacoast, applying for your loan or financing is always easy – and you’ll be done in minutes.

Fast Decisions

Typically receive a loan decision in one day or less².

Secure Electronic Processing

Know your data is safe and secure with our online document sharing and electronic signature capabilities.

Accessible Florida Loan Experts

You can depend on Seacoast Bank's loan experts to guide you through the loan application process. Connect with them online, in-person or over the phone.

Frequently Asked Questions

Do I need a down payment for an RV loan?

Can I get pre-qualified for an RV loan?

Are there any prepayment penalties on RV loans?

How is an RV loan different from an auto loan?

Can I refinance my current RV loan?

1. APR=Annual Percentage Rate. Loans subject to credit review. Rates current as of August 4, 2025 , and are subject to change based on market conditions and borrower eligibility. Rates may vary based on collateral offered. APR of 8.252% requires a minimum credit score of 751, payments auto deducted from your Seacoast Bank deposit account and boat/RV as collateral. Minimum approved loan amount is $10,000. Payment example: $30,000 boat/RV at 8.252% APR will result in 84 monthly payments of $471.37 with a one-time $250 loan processing fee. Offers may be withdrawn at any time. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.

2. Subject to receipt of all required documentation, day, and time of application.

RV Loans - Financing for New and Used RVs and Motorhomes