Get out and go with an RV Loan
RV Loans & Loan Calculator
Mountain America offers RV financing, as well as financing for trailers, motorhomes and campers. We also provide a handy RV loan calculator to help you estimate your payments.
Calculate your RV loan payment¹
Today's Rate
New & Used RV Loans
As low as
New and used RV financing
Mountain America's RV and motorhome financing options are as flexible as your recreational needs. Whether you’re looking at new or used recreational vehicles, we help you get the best loan to stay within budget but still get your dream RV, motorhome, fifth wheel, camper, toy hauler or horse trailer with living quarters. We also offer RV loan refinancing options to help lower your interest rate or monthly payment.Our new and used RV loans feature:
- Fixed rates as low as % APR
- Financing available at most RV dealerships
- Rate discounts with MyStyle® Checking⁴
- Various fixed terms available
- No application fees
RV loan FAQs
How long is an RV loan term?
The loan term and details for financing a new or used RV or camper are very similar. On average, RV loans range from 10–15 years, but many banks, credit unions and other lenders will extend the term up to 20 years for loans of $50,000 or more on qualified collateral.
What are your RV loan interest rates?
Mountain America Credit Union works hard to provide the best RV loan rates based on creditworthiness. With fixed rates as low as % APR, our competitive RV interest rates can help you comfortably purchase the motorhome, camper or travel trailer of your choice.
Can I prequalify for RV loans over the phone?
Yes, you can prequalify for an RV loan by calling the service center at 1-800-748-4302. In order to prequalify, Mountain America may require scanned (faxed/email) copies of income verification or other required documents. Once you’re prequalifed, we’ll send the closing paperwork to a Mountain America branch of your choosing, where you can sign the documents.
What are the financing terms on RV or camper loans?
RV and camper financing terms generally range between 10 to 20 years. Most lenders offer flexible financing terms for new and used RV loans and refinancing. Options include choosing a shorter financing term with a higher payment, while others may choose a longer term with lower payments. You can also customize the financing terms for your RV by selecting something in between.
One smart financial strategy is to pay a little extra each month toward principal on top of your normal loan payment. This can help you pay off your RV faster and significantly reduce the amount of interest you pay over the life of your loan.
At Mountain America Credit Union, financing a camper or RV is easy. We offer flexible financing options to purchase or refinance both new and used RVs and campers.
Do you offer RV insurance?
Yes, once you’re the proud owner of an RV, make sure your purchase is protected. Mountain America offers RV insurance on motorhomes (class A, B and C), motor coaches, camper vans, travel trailers and more. We offer various protection levels based on how and when you plan to use your RV or travel trailer.
How do I apply for an RV loan?
Applying for an RV or camper loan is easier than ever—apply online in minutes, visit a Mountain America branch or call 1-800-748-4302.
Is it hard to get a loan for an RV or camper?
RV loans can be harder to qualify for since they are considered a recreational luxury. Camper and RV loans are similar to mortgage loans because they often require a higher credit score and possibly a down payment to get a lower interest rate. Your employment history and income status will also determine if you qualify. At Mountain America, we do our best to make getting a RV loan fast and hassle-free. You can apply online, on our mobile app, over the phone or in person at a local branch.
Apply for a loan today
Now that you know how much RV you can afford and what your estimated monthly payment will be, it's time to take the next step. Apply online by clicking the button below, visit your nearest branch, or call 1-800-748-4302.Apply now
Additional resources
Protect your RV
Choose from full timer's, vacation liability and emergency expense insurance coverage.
Easy online applications
Quickly apply for an RV loan via online banking or our mobile app.
- Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
- Loan rate discount valid on new loans only.
