---
title: "RV Loan Rates API"
description: "Query published RV rates from US credit unions by state, term, and lender-published numeric credit-score bucket. Inspect live total and score-matchable coverage before querying."
canonical: "https://rateapi.dev/rv-loan-rates"
last-updated: "2026-11-13"
source: "https://rateapi.dev/llms.txt"
---

# RV Loan Rates API — Published Rates by Credit Score

Query recreational-vehicle loan rates for motorhomes, travel trailers, fifth wheels, and campers from credit unions across all 50 states. Compare verified lender-published APRs or match a shopper to numeric credit-score buckets published for an exact RV rate row. No affiliate or placement revenue.

Get a Free API Key [API Documentation](https://api.rateapi.dev/)

Zero Affiliate Relationships Daily & Weekly Scrapes Live Coverage Counts

Last updated: November 12, 2026

[Home](https://rateapi.dev/) / RV Loan Rates

RateAPI publishes RV and recreational-vehicle loan rates from US credit unions, queryable by state, term, and lender-published numeric credit-score bucket through a REST API. The coverage endpoint reports the live full catalog separately from the strict score-matchable subset. Every served rate carries source evidence plus an observed timestamp. Zero affiliate relationships.

> Source: [RateAPI.dev/rv-loan-rates](https://rateapi.dev/rv-loan-rates) (verified November 12, 2026)

## What Is in the RV Loan Rate Dataset?

**RV loan rates** are published nominal rates and, when the lender supplies one, annual percentage rates (APR) for financing recreational vehicles — motorhomes (Class A/B/C), travel trailers, fifth wheels, pop-ups, and truck campers. Because RVs are large-balance, longer-term, recreational collateral, they are priced separately from standard auto loans.

The dataset covers:

- **Live RV row and lender totals** from `POST /v1/coverage`
- State-filterable coverage, with the current state list returned by `/v1/coverage`
- Extended terms (RV paper commonly runs 120–240 months on larger units)
- APR, base rate, term, lender, and an `as_of` timestamp per row
- Published numeric credit-score buckets on qualifying RV rows, with same-observation evidence

Source: RateAPI database of credit-union recreational-vehicle rates, verified November 12, 2026.

Looking for other vehicle categories? RateAPI also tracks [auto loan rates](https://rateapi.dev/auto-loan-rates) , [boat & marine rates](https://rateapi.dev/boat-loan-rates) , and [motorcycle rates](https://rateapi.dev/motorcycle-loan-rates) from the same credit unions.

Live

RV Inventory

Strict

Score Matching

State

Filtering

Daily

& Weekly Scrapes

Hard-to-Find Data

## Why This RV Rate Data Is Differentiated

Rate aggregators almost universally cover cars and stop there. Recreational-vehicle rates are scattered across thousands of individual credit union websites and rarely published as structured, queryable data. RateAPI scrapes them directly from the source and normalizes them into one API.

### Separated From Auto

RV rates are tracked as their own product category, not blended into an auto-loan average — so the numbers reflect actual recreational-vehicle pricing.

### Credit-Union Scale

Member-owned US credit unions with live institution and row counts exposed by the coverage API. No affiliate ranking, no lead selling.

API

## Query RV Loan Rates

Filter raw rate rows with a single authenticated GET request

### Lowest RV Rates in a State

Pass `product_type=rv` , a state code, and `quality=verified` for proven lender-published APRs.

$ RV rates in Texas

Copy

curl "https://api.rateapi.dev/v1/rates?product_type=rv&state=TX&quality=verified&sort=apr_asc&limit=25" \

- H "Authorization: Bearer YOUR_API_KEY"

### Check Full and Score-Matchable Coverage

This returns total RV rows and lenders, rows with numeric score bounds, and the stricter rows and lenders eligible for `credit_score` matching under the same fail-closed policy as the rate query.

$ live RV coverage

Copy

curl - X POST "https://api.rateapi.dev/v1/coverage" \

- H "Authorization: Bearer YOUR_API_KEY" \

- H "Content-Type: application/json" \

- d '{"product_category":"rv","group_by":"product"}'

### Match Published Rates to a Credit Score

Pass `credit_score` from 300 through 850. The response includes only exact numeric buckets containing that score, ranked by published nominal rate with source evidence.

$ RV rates matching score 690

Copy

curl "https://api.rateapi.dev/v1/rates?product_type=rv&credit_score=690&sort=rate_asc&limit=20" \

- H "Authorization: Bearer YOUR_API_KEY"

### Filter by Loan Term

Longer terms are common on large motorhomes. Filter by `term_months` .

$ 120-month RV rates in Florida

Copy

curl "https://api.rateapi.dev/v1/rates?product_type=rv&state=FL&term_months=120&limit=25" \

- H "Authorization: Bearer YOUR_API_KEY"

### National RV Rate Scan

Drop the state filter for the lowest RV rates nationwide.

$ Nationwide RV rates

Copy

curl "https://api.rateapi.dev/v1/rates?product_type=rv&sort=apr_asc&limit=50" \

- H "Authorization: Bearer YOUR_API_KEY"

Each row returns the lender, state, product type, rate, APR when published, term, and an `as_of` timestamp. Credit-score mode additionally returns `credit_score_match` , `match_coverage` , evidence, and a policy disclaimer. `match_coverage.matching_rows` is the strict subset matching that requested score, not the size of the full RV catalog. A published bucket match is not approval or final underwriting. See the [Rate Query API](https://rateapi.dev/rates-api) for full parameters.

## How Fresh Are the Rates?

RV rates are collected by automated scrapers that re-check official credit union websites on a daily and weekly cadence. Every rate row carries an `as_of` timestamp, so integrators can display or filter on exactly how recently each rate was verified.

FAQ

## Frequently Asked Questions

Call POST /v1/coverage with product_category=rv for current total row and lender counts. The response separately reports numeric score-bound and strict score-matchable coverage so a small score result is never presented as the size of the full RV catalog.

How many RV loan rates does RateAPI track?

RV loan rates are refreshed from automated daily and weekly scrapes of official credit union websites. Each rate carries an as_of timestamp so you can see exactly when it was last verified.

How often is RV loan rate data updated?

Yes. Pass product_type=rv and an integer credit_score from 300 through 850. RateAPI returns only numeric score buckets published by the lender that contain that score, along with the exact bucket and evidence. This is a nominal-rate match, not an approval, prequalification, or APR prediction.

Can I match RV loan rates to a credit score?

RVs are recreational (non-essential) collateral with longer loan terms and larger balances, so credit unions price them above standard new-car paper. Tracking RV rates separately from auto rates gives an accurate picture instead of a blended average.

Why are RV loan rates higher than car loan rates?

RV rates are rarely published as structured data. RateAPI publishes credit-union recreational-vehicle rates in one API and exposes current lender and row counts through /v1/coverage instead of relying on a static marketing count.

Where else can I find credit union RV rates at this scale?

## Start Querying RV Loan Rates

Access published recreational-vehicle rates with live coverage disclosure. Free tier available. Zero affiliate bias.

Get Started [View Documentation](https://api.rateapi.dev/)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

Source: https://rateapi.dev/rv-loan-rates
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp