Secured Installment Loan for Recreational Vehicles

A fixed-rate loan designed to help you purchase or refinance a recreational vehicle such as an RV, boat, motorcycle and more.

Not a Regions customer? Apply by phone at 1-888-462-7627 or in a branch.

Regions Secured Installment Loan at a glance

One lump sum

Receive all the funds up front.

Fixed interest rates

Collateral-based loans typically mean lower interest rates.

Loans up to $300k

Receive funds ranging from $2k to $300k depending on terms and collateral.

Predictable monthly payments

Monthly repayments with available auto-debit discounts.


Regions Secured Installment Loan details

  • Interest rates

    Fixed APR based on loan amount, term, and collateral securing the loan.

    • Marine: 9.24% - 16.24%
    • RV and motor home: 9.24% - 15.24%
    • Motorcycle and Travel Trailer: 9.24% - 16.24%

    View Secured Installment Loan product details.


    Loan processing fee: $0
    Return item fee: $15
    Late fee: 5% of the unpaid loan payment amount or $100, whichever is less.

    Note: A late fee is assessed if you don't make your payment within 10 days after the payment due date shown on your periodic statement.

    Rate discounts

    Rate discounts are available for loan amounts of $5,000 or greater if you elect to have your monthly payments automatically debited from your Regions checking account through our Automatic Payment Option during the application process. The amount of the discount varies based on your type of relationship with Regions, ranging from 0.25% up to 0.50%.

    Note: This rate discount is not available when the Automatic Payment Option is established after the loan or line of credit has been opened.

  • Collateral requirements
    Travel trailers and campers, RVs and motorhomes, motorcycles and boats.[1]

    Minimum Secured Installment Loan amount:
    Travel trailers/campers - $5,000
    RV & motorhomes - $50,000
    Motorcycle (street legal) - $5,000 
    Boat - $5,000

    Maximum Secured Installment Loan amount:
    Depends on the repayment term as well as type and age of the collateral securing the loan.
    Travel Trailer/campers - $50,000
    RV & motorhomes - $300,000
    Motorcycle (street legal) - $30,000
    Boat - $75,000

    Access to funds
    You will receive the full amount (one lump sum) of your approved loan amount at the time of closing. Closing must take place in a Regions branch.

  • Repayment occurs monthly and the amount varies based on:

    • Terms
    • APR
    • Loan amount

    Terms vary based on loan amount, as well as type and age of collateral securing the loan.

    Automatic Payment Options
    Allows you peace of mind that your payments will be automatically debited from your checking account each month. If your checking account is a Regions checking account, you may qualify for a rate discount.

    Already have your account and want to set up an Automatic Payment Option? Access the Automatic Debit Authorization form, then complete, print and follow the directions in the form to process your request.

  • To be eligible for our recreational vehicle loan, you must have a Regions deposit relationship (checking, savings, MM or CD) on which you are an owner that has been open for at least six months.

    Current Regions customers can apply by phone or in a branch
    Current Regions customers can apply in a branch or by phone for a Regions Secured Installment Loan or by Phone at 1-888-462-7627 Monday – Friday from 6 am to 7 pm, Saturday 8 am to 2 pm.

How does a Regions Secured Installment loan work?

A Regions Secured Installment loan can be used to purchase a new or used recreational vehicle for personal use. If you already own a recreational vehicle (RV, motorcycle, boat, etc.) that's currently being financed, you can use a Regions Secured Installment loan to refinance that vehicle for personal use. Please note that there is not a cash out option with a Regions Secured Installment loan. Not sure that’s what you need? Compare all our personal loans side by side.