RV loans can vary in length depending on the lender you choose and your own borrowing preferences. Generally, an RV loan term can span from 10 to 20 years. When determining the duration of an RV loan, it is important to consider your financial situation and budget. Longer loan terms typically translate to lower monthly payments but result in higher overall interest payments over time. Shorter loan terms, on the other hand, involve higher monthly payments but entail less interest paid in the long run.