Current RV Loan Rates in Ontario: What to Expect in 2026

Finding the best RV loan rates in Ontario can be the difference between an affordable monthly payment and a budget-buster. At RV Canada, we leverage the buying power of the RV Canada Group to secure interest rates that are often lower than what you would receive walking into your local bank branch. Because we finance millions of dollars in Jayco, Forest River, and Keystone RVs annually, our lending partners (TD, Scotiabank, RBC, Desjardins) offer us "preferred dealer rates." We pass those savings directly to you.

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Choose Bras D'or, NS Brockville, ON Carleton Place, ON Cornwall, ON Country Campers Sales CRC RV Salisbury/Moncton CRC RV Truro Doug's Recreation Fredericton, NB Gananoque, ON Kingston, ON Kitchener, ON Lens RV London, ON Moncton, NB Nepean, ON Oro-Medonte, ON Ottawa, ON Owen Sound,ON Pembroke, ON Quinte RV Rockland, ON RV Liquidators, ON Sackville, NB Shipshewana, IN Smiths Falls, ON Truro, NS Vars, ON

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Choose Abdel Hanhan Adam Finley Adam Finley Adam Finley (OC) Andre Lahaie Angela Austin Holder Barry Haner Blair Spencer Caroline Brawley Chad MacDonald Chris Dery Dan Butler RVL Dan Charbonneau Dan Charbonneau RVL Danny Butler Darian Gardiner Dave McKinnon Dennis McCully Don Johnstone Eric Lalonde Ernesto Fernandez Ernesto RVL Fred Sova Herbie sakalauskas Ian Kerr Jack Regnier James Little Jason Jason Krahl Jeff Quinn Jessica Pollock John Rowland Jonathan Zitter Josiane Pelkey Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelly McMUrray Kelly McMurray Kevin Cameron Kory Davis Kyle Austin Kyle Austin Maggie MacIsaac Matt Crockett Matt Crockett Matt Lutes Melissa Durksen Michael Krkic Michel Doiron Michel Ferland Mike Bancroft Mike Garrick Mike Grimes Mirel Bica Nicholas Kassian Nick McIntosh 2025 Nick RVL Office clerk Pankaj Mehta parts Parts Parts Department Parts Department Paul Curry Paul Curry RVL Peter Girouard Phil Hodgson Rita Caissie Rob Rosen LDSF Rob Rosen SF Robert Shaw Rodney Petty Ryan Mahar Samer Agaybi Samer Agaybi RVL Sean Montgomery Service Service Service Service Department Shae Lee Black Shane Murphy Shawn Hebert Shawn Murphy Shawn Murphy Shelly Macdonald Sherwin Robinson Steve Manley Terry Bower Test Kory Todd Henry Toren Waitman Tracy Tracy Whalen Tracy Whalen Victoria Tibbits Walid Naeemi Walid Naeemi Warrenty Wayne Palmer Yan Pech Yanuario Valdez Pech

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What Are the Current RV Interest Rates?

While rates fluctuate based on the Bank of Canada's prime rate, RV loans generally sit slightly higher than mortgage rates but lower than unsecured personal loans.

• Prime Credit Rates: For buyers with strong credit (700+), rates are at their most competitive.

• Variable vs. Fixed: We offer both fixed-rate loans (payment never changes) and variable-rate options, depending on market conditions.

Note: The best way to know the exact rate for today is to submit a risk-free Pre-Qualification request, as market rates can change weekly.

3 Factors That Determine Your RV Rate

Your interest rate isn't random. It is determined by three main factors:

1. Credit Score: The higher your score, the lower your risk, and the lower your rate.

2. Age of the RV: New RVs typically qualify for lower interest rates than used units. Lenders view new units as better collateral.

3. Loan Term & Amortization: We can extend terms up to 20 years (240 months) for large purchases. While this lowers your monthly payment, it can sometimes slightly adjust the rate.

RV Canada vs. Your Bank

Why finance through a dealership?

• Volume Discounts: Just like we buy RVs in bulk to get better prices, we "buy" money in bulk. We often undercut standard bank branch rates by 0.5% - 1.0%.

• Specialized Terms: Banks often try to put RVs on a 5-year personal loan. We can offer 10, 15, or 20-year terms, which makes a $50,000 trailer affordable for a monthly family budget.

Payment Examples (Estimates)

To help you budget, here is how different loan amounts typically look on a standard RV amortization (O.A.C.):

• $30,000 Finance Amount: Approx. $100 - $130 / bi-weekly*

• $50,000 Finance Amount: Approx. $170 - $220 / bi-weekly*

• $80,000 Finance Amount: Approx. $280 - $340 / bi-weekly* (Estimates only. Actual payment depends on current rate, term, and deposit).

How to Get the Lowest Possible Rate

Want to ensure you get the rock-bottom rate?

1. Put Money Down: A larger down payment reduces the "Loan-to-Value" ratio, which lenders love.

2. Fix Your Credit Mix: Ensure you don't have maxed-out credit cards before applying.

3. Buy New or Late-Model Used: Lenders offer their most aggressive rates on units that are less than 5 years old.

Learn more about how to protect your RV and your budget on our Warranty & Protection Packages