State Farm RV Loans (2026): What State Farm Offers Now
State Farm no longer lists an RV loan you can apply for. Its loan page offers one consumer loan: a U.S. Bank personal loan sold through State Farm agents. Here is what that loan offers, what to do if you already have a State Farm Bank vehicle loan, and where to get a secured RV loan instead.
What State Farm offers today
State Farm's loans page, checked on October 29, 2026, lists a personal loan from U.S. Bank and, for vehicles, only a contact number for loans already originated by State Farm Bank. There is no RV, motorhome or camper loan to apply for.
The personal loan, available through State Farm agents since March 2025:
- Lender: U.S. Bank, not State Farm.
- Amount: $1,000 to $50,000, with the maximum depending on credit.
- Term: 12 to 84 months.
- Rate: fixed APR from 8.74% to 24.99% (as of April 13, 2026).
- Security: unsecured. State Farm lists private-party vehicle and boat purchases among its uses.
The change goes back to 2020, when State Farm and U.S. Bank announced an alliance under which U.S. Bank took over State Farm Bank's deposit and credit card accounts as part of State Farm's plan to exit banking.
Already have a State Farm Bank vehicle loan?
State Farm still services vehicle loans that State Farm Bank originated. For your balance, payoff amount or payment questions, its loans page gives Loan Servicing at 866-207-9079.
You can refinance that loan with another lender like any other RV loan: the new lender pays off State Farm Bank. Get your payoff amount first, then compare offers in the RV refinance calculator, which also lists lenders that publish refinance rates.
Personal loan or RV loan?
An unsecured personal loan is simpler: no lien on the title. A secured RV loan usually allows larger amounts and much longer terms. Here is $50,000 financed four ways, at each lender's published rates:
| Option | APR | Term | Monthly payment | Total interest |
|---|---|---|---|---|
| U.S. Bank personal loan through State Farm, lowest rate | 8.74% | 84 months | $798 | $17,021 |
| U.S. Bank personal loan through State Farm, highest rate | 24.99% | 84 months | $1,265 | $56,282 |
| Navy Federal Credit Union RV loan | 9.8% | 84 months | $825 | $19,292 |
| Alliant Credit Union RV loan | 6.24% | 120 months | $561 | $17,338 |
Lowest published rates assume excellent credit. The personal loan maximum is $50,000, so larger RVs need an RV loan.
What else to weigh
- Loan size: $50,000 covers many campers and used travel trailers, but not most new motorhomes.
- Term: 84 months keeps total interest down but raises the payment; RV loans run to 180 or 240 months.
- Taxes: interest on an RV loan can be deductible as second-home mortgage interest only if the loan is secured by the RV. An unsecured personal loan does not qualify. See the rules.
- Rate spread: the personal loan's range runs to 24.99%; with fair credit, a secured RV loan is usually cheaper.
Compare the payments yourself
Monthly payment
$683
for 7 years at 8.74% APR
- Amount financed
- $42,813
- Sales tax (6.25%)
- $2,813
- Cash due at signing
- $5,000
- Total interest
- $14,574
- Total of payments
- $57,387
Year-by-year amortization schedule
| Year | Interest paid | Principal paid | Balance at year end |
|---|---|---|---|
| 1 | $3,559 | $4,639 | $38,173 |
| 2 | $3,137 | $5,061 | $33,112 |
| 3 | $2,676 | $5,522 | $27,590 |
| 4 | $2,174 | $6,024 | $21,566 |
| 5 | $1,626 | $6,572 | $14,993 |
| 6 | $1,028 | $7,170 | $7,823 |
| 7 | $375 | $7,823 | $0 |
Frequently asked questions
Does State Farm offer RV loans?
Not as of October 29, 2026. State Farm's loans page offers a U.S. Bank personal loan through its agents and services existing State Farm Bank vehicle loans, but lists no RV loan.
Can I use the State Farm personal loan to buy an RV?
The loan can be used for most purchases, and State Farm names private-party vehicle and boat purchases as examples. An RV up to $50,000 is possible; confirm with a State Farm agent.
Who services my old State Farm Bank RV loan?
State Farm's loans page directs questions about vehicle loans originated by State Farm Bank to Loan Servicing at 866-207-9079.
RV Loan Master is independent and not affiliated with State Farm or U.S. Bank. State Farm is a registered trademark of State Farm Mutual Automobile Insurance Company. Product details are taken from the pages listed below and may change; confirm with State Farm or U.S. Bank.
Sources
Checked on October 29, 2026. Lenders change rates often; confirm with the lender before you apply.
- State Farm — loans
- State Farm — personal loans from U.S. Bank (APR as of April 13, 2026)
- U.S. Bank — U.S. Bank personal loans now available through State Farm (March 26, 2025)
- State Farm newsroom — State Farm and U.S. Bank strategic alliance (March 5, 2020)
- Navy Federal Credit Union — RV loans, as of October 29, 2026
- Alliant Credit Union — RV loans