Today's New & Used RV Loan Rates

We love helping our local members live out their dreams. That’s why we offer competitive recreational vehicle rates for both new and used RVs, along with favorable loan terms, ensuring competitive rates you can rely on. From a trailer by the lake to a road trip our West, let us help explore your options and map out an RV financing path that works for you. If you’re ready to see what the RV lifestyle looks like for you, we can help!

Recreational Vehicle Loans

As of April 29, 2025
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Motorcycle, ATV, Boat, Jet Ski, Camper, Trailer/MotorhomeInterest RateAPR**
New
 		 as low as 7.71%*as low as 7.81%**
Pre-Owned/Used
newer than seven model years
as low as 8.21%*as low as 8.31%**
Pre-Owned/Used
seven model years or older
as low as 9.21%*as low as 9.31%**
*Approval and rates based on credit worthiness, number of years the loan is financed, amount financed, age of collateral and other qualifying criteria. Members must be 18 years of age or older. New rec vehicle definition: Current and previous model year, never titled and has less than 500 miles on it. FFCCU may consider a rec vehicle loan refinance as a “new” auto loan if the vehicle being refinanced is within one year of original purchase date and member is the original owner. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice.
**APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Other terms & conditions may apply.

*Approval and rates based on credit worthiness, number of years the loan is financed and the amount financed. Members must be 18 years of age or older. Rates quoted reflect .25% discount for EasyPAY (to qualify for EasyPAY, enroll in Online Banking with e-Statements, Direct Deposit at least $200 per month, sign up for Auto Pay for loan payments). Higher rate may be offered upon approval. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Contact FFCCU at 800.621.4644 for details and current rates as they are subject to change at any time and without notice. Click here to view full rate disclosures and policies.

Calculate Your RV Loan

Whether you’re dreaming of a fifth wheel, class A motorhome, camper vans, or compact luxury RV (including travel trailers and camping trailers), we can show you how to get there. Calculate your monthly payments or determine how much you can afford based on our current RV interest rates and loan options. Try our RV financing calculator below and explore our Flexible financing options to empower your financial decisions.

Why Choose FFCCU for Your RV Loan?

As a neighborhood community credit union, we put our members first. We offer competitive RV loan rates and terms for both new and used vehicles. In-branch, online or over the phone, you’ll always have a local FFCCU loan officer at your service, ready to help you.

How to Apply for an RV Loan at FFCCU

We make the RV loan application and approval process quick and easy! Just fill out our online application. We’ll ask you a few basic questions about the loan amount you need, type of loan you’re considering (new or used RV), and the desired loan terms of your loan agreement.

FAQs

Your RV loan rate will be based on many factors, including your personal credit history, the type of RV you’re purchasing (new or used) and the length of your loan. The actual rate may vary depending on these details.

You can start the application process online in just a few easy steps. 

RV loans are typically 24 to 72 months, offering flexible terms to suit your needs. Shorter loans typically have a more favorable RV loan rate, and we don’t charge for an early payoff.

We look at each borrower’s personal situation and history for credit approval. Typically, the lower your credit score, the more difficult it is to get approved for a loan. If you want to make a major purchase that requires a loan, consider taking steps to repair your credit and raise your credit score.

Yes, and many times our RV financing rates may be more competitive. Reach out to us for more information. 

Yes, the rate varies. Used RVs over seven years old typically having a higher interest rate. 

Typical RV loan approval takes 24 to 48 hours, provided we have all the needed application info and loan documents.

There are no fees or penalties at FFCCU when you pay off your RV loan early. 

We recommend it. When you get preapproved for an RV loan, you have a leg up when you negotiate with the dealer since you don’t have to negotiate financing as well.