Get on the open road with an Alliant RV loan

Recreational vehicle, camper or motorhome – full-timer or weekender – Alliant can help you with RV financing that fits your lifestyle.

Couple sitting outside their RV
The Run Down
  • Competitive credit union rates
  • RV financing for full-timers
  • Loans up to $400,000 and terms up to 20 years55
  • Get preapproved for better negotiating power with RV dealers
  • Same day approval in most cases
  • No prepayment penalties. Reduce your interest by paying early
  • Refinance your higher RV loan rate and save
Rates
6.49 %
APR
As Low As
120 mo. Max Term
RV

APR=Annual Percentage Rate.55 APRs shown above are stated as low as and may vary based on factors such as make, model, and year of the vehicle, payment method, creditworthiness, and ability to repay.

View all RV loan rates

Earn 2.00% APY on your savings!63

That's 22.5x the national bank average!71

Learn more about savings


CNBC Best Credit Unions

"Best Credit Unions"

Bankrate Best Banks 2022

"Best Banks 2022"

Money Best Account Fees

"Best Account Fees"


Calculate your recreational vehicle loan rate today

Get all the comforts of home - including a comfortable rate.




We’re as road-ready as you are

Pay a bill at a national park. Check on your loan on the beach. As a 100% digital credit union, Alliant gives you 100% freedom to do your everyday banking from wherever your home happens to be, from the comfort of your kitchen table — or a picnic table.

Get on the road quicker and easier with a preapproved RV loan.

The RV loan application process

How do Alliant Credit Union RV loans work? It's simple:

  1. Get preapproved

    Submit an online loan application. You can also apply by calling 800-328-1935 (available 24/7). We will process your application and notify you when your preapproval is completed, usually the same day.

  2. Complete your loan documents

    Be sure to bring your preapproved loan to the dealer, as this will give you maximum leverage and help you negotiate the best deal. Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents using DocuSign.

  3. Finalize your RV financing

    We'll send the funds for free via FedEx 2-business day shipping. Contact your loan consultant if you want it to arrive sooner for a fee (FedEx Overnight Shipping for $18 or FedEx First Overnight Shipping for $22).

Compare Alliant for RV loan rates

Our members have trusted us with their financial needs since 1935. And we’ve been getting them on the open road in all 50 states with camper financing, motorhome financing and other recreational vehicle loans for 15 years.

APR Term
6.49% 120 months
6.64% 144 months
6.69% 180 months
6.94% 240 months

APR=Annual Percentage Rate55. APRs shown above are stated as low as and may vary based on factors such as make, model, and year of the vehicle, payment method, creditworthiness, and ability to repay.

RV financing FAQs

How can being preapproved help me when I’m vehicle shopping?

Being preapproved helps you focus on negotiating the best price, knowing that you won’t end up with high rate financing when you close the deal. Plus, dealers tend to take people more seriously when they come in with preapproved financing because it means you’re ready to do business and not just “window shopping.”

Can I pay off my loan quicker than the payment schedule?

Yes. At Alliant, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.

What types of recreational vehicles can and cannot be financed through Alliant?

Alliant Credit Union offers recreational vehicle financing for conventional travel trailers, fifth-wheel travel trailers, class A motorhomes, expandable travel trailers, class C motorhomes, folding camping trailers, sports utility camping trailers, sports utility camping trailers, class B motorhomes and park model RVs that are less than 15 years old and have mileage of less than 75,000 miles. Preapprovals are for dealership purchases only.

Alliant will not provide financing for truck campers, prevost buses, tow vehicles, custom RVs, tiny homes, off-road trailers/RVs and cargo trailers.

Will Alliant provide financing for an RV used as a year-round residence?

Yes. Alliant Credit Union offers financing for “full-timers” who plan to adopt their recreational vehicle as their year-round home, as well as to those who plan to use their vehicle for family vacations, a few weekend getaways, or as an escape for a part of the year.

How long are RV loans?

Typically, RV loan terms range from 10-20 years (120 -240 months) at most banks and credit unions. At Alliant Credit Union, we offer RV loans up to $300,000 and terms up to 20 years.55 

How can I get an RV loan?

Applying for an RV loan is simple. Just apply online at https://www.alliantcreditunion.com/Clos/Login/Apply  The first step is to submit your application. Once your application is submitted, we will notify you if you are preapproved. You will then bring your preapproved loan to the dealer to help you negotiate the best deal for you. Then, send us your purchase agreement and we’ll finalize the documents for you.

How is an RV loan interest rate different from a car loan interest rate?

On average, an RV loan has a higher interest rate than a conventional car loan and the terms are much longer. There are many factors that determine your rate including your credit score and the make and model of your recreational vehicle.