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Recreational Vehicle Loans
Serious advantages on any RV loan.
UCCU provides low rates and flexible terms on every RV loan.
Have you ever dreamed of hitting the open road with all the comforts of home? An RV makes it possible, offering the perfect blend of freedom and convenience. But with such a significant investment, how do you make this dream a reality? That’s where UCCU’s RV loans come in, providing a seamless way to finance your adventure. Let’s explore why RV loans are essential, what you need to get started, and how we can help.
Other Types of Recreational Vehicle Loans:
Why RV Loans Are Essential
RVs open up endless opportunities for adventure and relaxation, but they come with a hefty price tag. Many RVs cost tens or even hundreds of thousands of dollars, making outright purchases unattainable for most. Recreation vehicle loans make ownership possible by breaking costs into manageable monthly payments. This financing option fits your budget and allows you to enjoy your RV immediately, preserving your savings for other priorities.
Rates include 0.25% loan discount with Elevated Checking.
Learn more about Elevated Checking
Ready to Start Your Journey?
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An RV isn’t just a vehicle; it’s a gateway to memories that last a lifetime. You can begin your adventure today. Contact us to learn more, or apply now and take the first step toward owning the RV of your dreams.
(801) 223-8188 | Branch Locations
Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday hours vary per Branch Location
*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.
Why Pick UCCU?
At UCCU, we’re committed to helping our members achieve their goals. Our RV loans are crafted to provide the financial freedom you need to embark on your next adventure with confidence. Whether buying your first camper, securing recreation vehicle loans, or upgrading to a motorhome with competitive loan rates. With our dedication to member satisfaction, flexible financing options, and expert support, we’re the trusted partner you deserve.
Benefits of Financing with UCCU
Choosing us for your RV financing has numerous benefits that enhance your experience. Our competitive RV loan rates keep your payments affordable, and flexible terms allow you to customize your repayment plan. Whether you prioritize lower monthly payments or a shorter loan term, we can tailor options to meet your needs.
As a member-focused credit union, we prioritize personalized service. Our team of financial professionals is here to guide you every step of the way, ensuring a smooth loan process. Beyond RV loans, we have a full suite of financial services, including camper financing and financial planning tools, so all your financial needs are addressed in one place.
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Why RV Loans Are Essential
RVs open up endless opportunities for adventure and relaxation, but they come with a hefty price tag. Many RVs cost tens or even hundreds of thousands of dollars, making outright purchases unattainable for most. Recreation vehicle loans make ownership possible by breaking costs into manageable monthly payments. This financing option fits your budget and allows you to enjoy your RV immediately, preserving your savings for other priorities.
Variety of RVs
Whether you’re in the market for a new motorized RV, camping trailer, truck camper, golf cart, or toy hauler, UCCU offers a wide range of recreational vehicles to fit your lifestyle. Whatever adventure you plan, we have the perfect RV or outdoor vehicle to help you make the most of your travels and enjoy unforgettable experiences.
Low Rates & Long Terms
We offer low interest rates and flexible financing options for your RV purchase. With up to 100% financing available, you can get the RV of your dreams. Repayment terms extend to 180 months (15 years) on new and used motorized RVs, making monthly payments more affordable. Enjoy the freedom to explore the open road in style and comfort.
Extra Savings with Elevated
Maximize your savings with the Elevated Checking RV loan discount of 0.25% when you have an Elevated Checking account. This valuable benefit lowers your loan rate, making your RV purchase even more affordable. Enjoy the added perks and savings that come with Elevated Checking, making it easier to own your dream recreational vehicle while keeping your budget intact
What It Takes to Secure an RV Loan
Getting an RV loan is a straightforward process. Here are the steps to prepare:
- Review Your Credit Score: A higher score can lead to better RV loan rates and easier approval. If your credit needs improvement, Our financial experts can help you identify steps to enhance it.
- Plan for a Down Payment: Most lenders require 10% to 20% of the RV’s cost upfront. A larger down payment can reduce your monthly payments and overall loan cost.
- Evaluate Your Budget: Ensure you can comfortably handle the monthly payment.
- Gather RV Details: Lenders will need the make, model, year, and price of the RV.
- Use an RV Loan Calculator: Tools like an RV loan calculator can help you estimate monthly payments and understand the best terms.
- Get Pre-Approved: This simplifies the shopping process, establishes clear financial boundaries, and strengthens your negotiation position with sellers.
Related Loans
Frequently Asked Questions
What are the eligibility requirements for an RV loan?
You must meet specific eligibility criteria to qualify for an RV loan with UCCU to ensure a smooth and successful financing experience. This includes having a good credit score, a stable income, and a reasonable debt-to-income ratio. We also require membership, which means opening an account with the credit union, available to anyone nationwide. Additionally, We may request proof of income, such as recent pay stubs or tax returns, to confirm your ability to repay the loan. The recreational vehicle’s value and condition will also be evaluated during approval. Whether you’re financing motorized RVs, camping trailers, toy haulers, or golf carts, Our loan team guides you through every step.
What is the application process like and what documentation is needed?
The application process for an RV loan is designed to be straightforward and convenient, ensuring you can focus on making your dream of RV ownership a reality. You can apply online, over the phone, or in person at any branch. All it takes is filling out a simple application and providing proof of identity (e.g., a driver’s license), proof of income (like pay stubs or tax returns), and details about the RV you’re purchasing, such as the purchase agreements or dealer invoice. Once submitted, our team works to review your application, and you can typically expect a decision within a few business days. We aim to make financing your RV as smooth and stress-free as possible.
Are there any special programs or benefits for RV loans?
We provide several valuable benefits for members taking out RV loans, ensuring a flexible and rewarding financing experience. Members can enjoy competitive rates, personalized service tailored to their financial needs, and flexible loan terms that accommodate their budgets. We partner with RV dealers to provide convenient financing options directly at purchase. These partnerships may include exclusive perks or discounts, simplifying the buying process and adding more value to your loan. Whether you’re financing motorized RVs, camping trailers, toy haulers, or golf carts, Our team is ready to help make your purchase seamless.
What is the maximum loan term available for RV loans?
We understand the importance of manageable payments when purchasing an RV. That’s why we offer loan terms of up to 180 months (15 Years) for new and used motorized RVs. This extended term helps lower your monthly payments so you can enjoy the freedom of RV ownership while keeping your budget in check.
How does an Elevated Checking account affect my RV loan rate?
An Elevated Checking account at UCCU enhances your everyday banking experience and provides a valuable perk for RV financing. Members with Elevated Checking receive a 0.25% discount on their RV loan rate, which can significantly reduce the overall cost of the loan. This benefit and the account’s other exclusive features make financing your dream RV even more affordable and convenient.
Meet Your RV Buying Expert
Let a seasoned loan professional help with your buying experience from start to finish. It’s what we do!