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Recreational Vehicle Loans
Recreational vehicle loans. Serious advantages.
UCCU provides low rates and flexible terms on every RV loan.
UCCU RV Buying Experts are at work in every branch, ready to deliver low rates, and up to 100% financing and 180 months (that’s 15 years!) on new and used motorized Recreational Vehicles.
Other Recreational Vehicles are also available including camping trailers, truck campers, golf carts, toy haulers, and much more.
So you can shop with confidence, knowing you’re getting the best deal!
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
*APR = Annual percentage rate. Rates, terms, and conditions are subject to change without notice. Financing is subject to UCCU membership and underwriting criteria, not every application will qualify. Advertised APR includes 0.25% loan discount with Elevated Checking Account. Actual rate may increase based on the borrower’s creditworthiness. Late payment fee is 5% of the payment due or $25.00, whichever is greater. Some restrictions may apply. Federally insured by NCUA.
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What can I afford?
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Frequently Asked Questions
What are the eligibility requirements for an RV loan?
To qualify for an RV loan with UCCU, you need to meet certain eligibility criteria. This includes having a good credit score, a stable income, and a reasonable debt-to-income ratio. UCCU also requires membership, which means you need to open an account with the credit union. Anyone nationwide can join. Whether you’re looking to finance camping trailers, truck campers, motorized RVs, toy haulers, or even golf carts, UCCU may require proof of income, such as recent pay stubs or tax returns, to assess your ability to repay the loan. The credit union also evaluates the value and condition of the recreational vehicle you intend to purchase.
What is the application process like and what documentation is needed?
The application process for an RV loan at UCCU is straightforward and convenient. You can apply online, over the phone, or in person at a branch. The process involves filling out an application form and providing necessary documentation, including proof of identity (such as a driver’s license), proof of income (like pay stubs or tax returns), and information about the RV you wish to purchase, whether it’s camping trailers, truck campers, motorized RVs, toy haulers, or golf carts. This includes the purchase agreement or dealer invoice. UCCU aims to process applications promptly, and you can expect to receive a decision within a few business days. Their goal is to make your dream of RV ownership as smooth and hassle-free as possible.
Are there any special programs or benefits for RV loans?
UCCU offers several benefits for members taking out RV loans, including those for camping trailers, truck campers, motorized RVs, toy haulers, and even golf carts. These benefits can include competitive rates, flexible loan terms, and personalized service tailored to your financial situation. Additionally, UCCU members may benefit from special promotions, such as seasonal payment plans that allow for lower payments during certain times of the year or no payments for the first few months of the loan. UCCU also partners with RV dealers to offer convenient financing options directly at the point of purchase, potentially simplifying the buying process. These partnerships can sometimes include additional perks or discounts, making UCCU an excellent choice for financing your recreational vehicle. For more detailed information or personalized assistance, you can visit a UCCU branch or contact their customer service team.