The Rivian R1S is Rivian’s three-row electric adventure SUV. The second-generation 2026 R1S starts at about $76,990 to $78,885 for the dual-motor Standard model and runs to about $121,990 to $127,885 for the 1,025-horsepower Quad, with EPA range up to 371 miles on the Tri-motor. It is also built to go off road, with Rivian’s spec sheet listing a wading depth of about 43 inches. An R1S is valuable collateral too: Borro lends against vehicles worth $50,000 or more, so owners can raise capital fast without selling.
2026 Rivian R1S Lineup at a Glance
| Version | Power | EPA range | Price (approx.) |
|---|---|---|---|
| Dual Standard | 533 hp, 610 lb-ft | 258 miles | $76,990–$78,885 |
| Dual | Dual motor | 329 miles | About $85,885 |
| Tri | 850 hp | 371 miles | About $108,885 |
| Quad | 1,025 hp | 338 miles | $121,990–$123,885 |
| Quad Launch Edition | 1,025 hp; 0–60 in 2.6 s | 338 miles | $125,990–$127,885 |
Price ranges reflect differences between sources, including destination charges.
Own a Rivian? Borro lends against luxury, classic and collectible vehicles valued at $50,000 or more, with loans from $25,000, no credit check and funding in as little as one business day. Get a no-obligation quote or call 720-458-6788.
How Much Is the 2026 Rivian R1S?
The 2026 R1S starts at about $76,990 to $78,885 for the Dual Standard, depending on source and destination charges, and climbs to about $121,990 to $127,885 for the Quad and Quad Launch Edition. Edmunds recommends the Dual as the best balance of performance, range and value.
Rivian R1S Wading Depth
Rivian’s specification sheet lists the R1S’s wading depth at 43 inches, roughly 1,097 mm, or about 3.6 feet, thanks to its sealed battery and adjustable air suspension. Rivian has demonstrated deep-water crossings for testing, but notes these should not be replicated in real-world conditions.
Rivian R1S Range and Performance
The R1S moved to its second generation in 2025. The Tri-motor version offers the longest EPA range at 371 miles, while the Quad delivers 1,025 hp and 0–60 mph in about 2.6 seconds in Launch Edition form. The Dual Standard reaches 60 mph in about 4.5 seconds.
Can You Get a Loan Against a Rivian R1S?
Yes, if the SUV’s current market value is $50,000 or more, which most recent R1S models should meet. Borro lends up to 50% of the appraised value, with a minimum loan of $25,000. An R1S appraised at $80,000 could support a loan of up to about $40,000.
- No credit check and no personal guarantee. The vehicle secures the loan, and Borro does not ask for personal or business financial statements.
- Fast funding. Once your loan is approved, funds can arrive in as little as one business day.
- You keep ownership. Your vehicle is held in fully insured, secure safekeeping for the loan term and returned when you repay.
- Private and discreet. Borro has lent more than $1 billion to clients across the country and holds an A+ BBB rating.
Learn more about Borro’s vehicle loans, how a collateral loan works, or read about the Rivian R1T.
For the Road That Has Not Been Paved Yet
Some vehicles are for arriving. The R1S is for going somewhere with no obvious way in. Climb up into it and the cabin closes around you, hushed and warm, while outside the world turns to gravel, mud and wide open sky. You feel an odd calm. The car knows what to do. You simply decide where.
There is real pleasure in capability you rarely need to use. The wading depth on the spec sheet, the air suspension rising beneath you, the three rows of seats that turn a weekend into an expedition. It is the confidence of a well-made tool, wrapped in the comfort of a very good room. Silence at speed. Power on tap when you ask for it, and not a moment before.
People notice, too. The shape is unfamiliar enough to draw a second look, and refined enough that the look turns into a question. You will find yourself answering it at trailheads, in valet lines, in driveways at dusk.
A well-chosen vehicle is a considerable asset, and it can be a flexible one. If you need capital but do not want to sell, a car valued at $50,000 or more can be borrowed against, held in insured, secure safekeeping, and returned to you when you repay, with ownership yours throughout. Borro keeps that conversation simple, so the next trail is still yours to choose.
Frequently Asked Questions
Can I borrow against my Rivian R1S?
Yes, if it is worth $50,000 or more. Borro lends up to 50% of the appraised value, with loans from $25,000, no credit check and funding in as little as one business day.
What is the Rivian R1S wading depth?
Rivian’s spec sheet lists 43 inches (about 1,097 mm, or roughly 3.6 feet).
How much does a 2026 Rivian R1S cost?
From about $76,990 to $78,885 for the Dual Standard, up to about $125,990 to $127,885 for the Quad Launch Edition.
What is the range of the Rivian R1S?
From 258 miles for the Dual Standard to 371 miles for the Tri, according to EPA estimates.
How many seats does the Rivian R1S have?
The R1S is a three-row SUV with seating for up to seven.
See how much your Rivian could unlock. Borro’s vehicle loans start at $25,000, with no credit check and no personal guarantee. Apply now or call 720-458-6788 to speak with a valuation expert.
