Recreational Vehicles
Reward your hard work with a great escape. Low RV loan rates and terms up to 10 years can put you on the road to your happy place.
What will your monthly RV loan payment be?
$
New or Used RV Financing with PSECU
The right loan can put your dream RV within reach. Our RV financing can cover up to 90% of the retail value of RVs worth at least $3,333, including motorhomes, travel trailers, camping trailers, and camper vans.
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Apply online.
- Gather the information you’ll need for your application, including monthly income and current debt payments.
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Get prequalified.
- You’ll receive your loan decision fast – often within minutes and usually the same day.
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Find the right RV.
- Now the fun part begins. Find the right RV, camper, or travel trailer. Visit your local RV dealer today to start your search.
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Get your RV loan funding.
- When you’re ready, we’ll mail you an AutoCheck. Your AutoCheck will be valid for 60 days from the date of issue.
Recreational Vehicle Loan Rates
| Term | APR* | Description |
|---|---|---|
| 1-36 Months | 5.25% | New / Used RV |
| 37-48 Months | 5.75% | New / Used RV |
| 49-60 Months | 5.75% | New / Used RV |
| 61-84 Months | 6.75% | New / Used RV |
| 85-120 Months | 7.00% | New / Used RV |
*APR denotes Annual Percentage Rate
PSECU will finance up to 90% of the retail value for recreational vehicles. The Manufacturer's Suggested Retail Price determines new recreational vehicle values; Kelley Blue Book® or other authorized guides determine used recreational vehicle values. Minimum value is $3,333. PSECU makes all final decisions regarding vehicle value and proper rate. Loan rates are subject to change. See the Consumer Note, Disclosure and Security Agreement at psecu.com/disclosures or call 800.237.7328. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.
Recreational Vehicle Loan Terms
| Types | Value (Minimum) | Loan Amount (Minimum) | Term (Maximum) |
|---|---|---|---|
| Recreational Vehicles | |||
| NA | $40,000 | 120 months | |
| NA | $15,000 | 84 months | |
| NA | $8,000 | 60 months | |
| NA | $5,000 | 48 months | |
| NA | $3,000 | 36 months |
*PSECU will finance up to 90% of the retail value for recreational vehicles. The Manufacturer's Suggested Retail Price determines new recreational vehicle values; Kelley Blue Book® or other authorized guides determine used recreational vehicle values. Minimum value is $3,333. PSECU makes all final decisions regarding vehicle value and proper rate. Loan rates are subject to change. See the Consumer Note, Disclosure and Security Agreement or call 800.237.7328. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.
Need a loan for a boat or boat trailer, personal watercraft, ATV, snowmobile, or non-street-legal vehicle? Request a personal loan.
FAQs About PSECU's RV Financing
Who is eligible for an RV loan?
Any PSECU member can apply for RV financing. Not yet a member? It’s easy to join, and most people are eligible. Learn how to open an account to access our great loan rates and other financial services.
What kinds of RVs can I buy with an RV loan?
We finance all types of RVs, campers, travel trailers, and motorhomes. For boats and other leisure or sports vehicles, consider a personal loan.
Should I buy a motorhome or a travel trailer?
It depends. Motorhomes are motor vehicles with a built-in living space. For a trailer, you’ll need a towing vehicle. Each category of vehicle includes classes, from pop-up trailers and camper vans to luxurious Class A motorhomes and fifth-wheel trailers. Although a trailer will cost less upfront than a comparable motorhome, it requires a truck with enough hauling power to tow. Towing a trailer can also put a lot of wear on your engine and other components.
Should I go with a new or used RV?
That’s up to you! Used RVs can be more affordable, and we do finance used RV purchases. Your rate will be the same, whether you choose new or used. Used RV options may be limited in your area, and a used vehicle could have hidden damage. Have a used RV thoroughly inspected by a qualified mechanic before you commit.
How much of an RV’s price can I finance?
PSECU will finance up to 90% of the value of recreational vehicles. The value of the RV should be at least $3,333. Value is determined by either the manufacturer's suggested retail price (MSRP) of a new RV or the Kelley Blue Book® or other authorized guide’s listing of a used RV.
How long is my preapproval good for?
Your preapproval is valid for 60 days.
If you’re already a PSECU member, you can apply now.
If you’re not yet a member, you can join PSECU to apply for an auto loan. Joining PSECU takes less than 15 minutes, and you’ll benefit from great rates, low fees, and more money back each year.
Join PSECU
Become a PSECU member. Open an account.
*Based on the Auto Lender Summary from Experian