RV Loans | Recreational Vehicle Loans
When you’re ready to hit the open road, our RV loans are designed to offer you competitive rates to help you get the things that make life more fun!
- Competitive rates
- Terms up to 180 months
- Borrow up to 110% of the loan to value ratio
- Get a rate discount of 0.25% with automatic payment from a Belco account
- GAP insurance
- Fast approvals
Secure Low Rates
Don’t pay more than you need to for your recreational vehicle loans. We offer low competitive rates for your recreational vehicle needs.
| Type of Loan | Interest Rate |
| New motorcycle loan | Starting at 1.99% |
| Used motorcycle loan | Starting at 2.24% |
| New RV loan | Starting at 7.99% |
| Used RV loan | Starting at 8.99% |
RV Loan + Camper Loan Options
We don’t stop at RV loans. At Belco Credit Union, you can get loans for most of your recreational vehicle needs, including:
- Motorhomes
- Travel trailers
- Conversion vans
- Boats (up to 25’ in length)
- ATVs, snowmobiles and jet skis (limited to 84-month terms)
Benefits of Securing an RV Loan at Belco
Competitive rates
Low rates make your recreational vehicle more affordable, and paying less is more fun anyway, right?
Terms up to 180 months
Whether you want to pay off your loan quickly or you need more time, we have loan terms up to 180 months to help your RV loan better fit in your budget.
Fast approvals
We don’t want to keep you from the excitement of the open road. That’s why we offer fast approvals to get you in your new vehicle quickly.
0.25% rate discount
When you set up automatic payments from a Belco Credit Union account, you get a 0.25% rate discount. It’s just another way for us to say thank you.
Borrow up to 110% of the LTV ratio
You can borrow up to 110% of the LTV (loan-to-value) ratio, which compares your car’s value to how much you owe on the loan. When you can borrow more, there is more flexibility in the type of RV you can secure.
Convenient electronic payments
Your payments will be due every month like clockwork, so why make it difficult? We offer an easy and convenient electronic payment option.
Low cost debt protection insurance
With Debt Shield Payment Protection, you can cancel or reduce the repayment of your loan debt in the event of an unfortunate protected life event such as disability, involuntary unemployment, or loss of life.
GAP insurance
Guaranteed Asset Protection (GAP) Plus Insurance will pay the difference between your loan balance and auto insurer’s settlement if your vehicle is stolen or totaled.
RV Loan Frequently Asked Questions
Where can I get an RV loan?
You can secure an RV loan for online lenders, banks, or credit unions. When deciding on your lender, you want to compare interest rates, terms and conditions of the loan, and other benefits offered to help you secure the best overall loan.
How hard is it to get an RV loan?
To get an RV loan, you want to have a stable work history, an acceptable credit score, and the downpayment needed – if applicable. Also, working with a lender that is flexible in financing can help you qualify for an RV loan, even if you’re concerned that it might be a challenge for you.
Can I buy an RV with no money down?
Some lenders will offer a 0% money down loan, while others require a downpayment for all RV loans. At Belco, we provide a loan for up to 110% of the LTV ratio, so you can get approved for an RV loan with no money down if you qualify.
What credit score do you need for an RV loan?
You can secure an RV loan with a score in the 500s, depending on your lender. However, a good score range to aim for is 660 and above to lock in more favorable terms.
Can I get preapproved for an RV loan?
You can and should get preapproved for an RV loan. When doing so, you can compare offers from different lenders and start your RV search knowing upfront how much you can afford.
Get started with your RV loan + camper loan
Ready to hit the open road in your RV or camper?
Our financing team at Belco Community Credit Union is here to make it happen for you.
Apply now to start the fast approval process.