Explore the open road with an Alliant RV loan

Full-timer or weekender, Alliant can help you with RV financing that fits your budget and lifestyle.

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RV Loan Features

Take advantage of rates others can’t match

You found them! Great credit union rates that beat industry averages and may be unmatched by standard RV dealership offers.

Refinance your higher RV loan rate and save on your monthly payments.

Get preapproved for better negotiating power

Get preapproved now before you head to the RV dealership for a recreational vehicle, camper or motorhome.

Loans up to $400,000 and flexible terms up to 20 years.55

Receive same-day approval in most cases

Get on the road faster with our simple online application designed for quick turnaround.

Flexible RV financing for full-timers, so you can enjoy all the comforts of home —including a comfortable monthly payment.

More wins, less worry when you bank with Alliant

Preapproved RV loans

We will process your application and notify you when your financing preapproval is completed, usually on the same day.

No prepayment penalties

We give you the freedom to pay early and reduce interest—no strings attached.

You come first, not shareholders

Alliant can reward its members with low rates and fewer fees because we’re 100% digital and not-for-profit.

We’re as road-ready as you are

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.

  • Pay a bill at a national park.
  • Check on your loan on the beach.
  • Get preapproved for an RV loan on your back porch.

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Learn about why everyone is eligible to apply to join Alliant and how membership pays. Insured by NCUA.

Put yourself in the driver’s seat with an Alliant RV loan

Get preapproved for maximum leverage

Submit an online loan application or apply by phone at 800-328-1935. You pick the term that works best for your monthly budget. We will process your application and notify you when your preapproval is completed, usually on the same day.

Bring your preapproved loan to the dealer

Your preapproved Alliant loan helps you to negotiate the best deal on your new RV. Ready to move forward? Send us your purchase agreement and we’ll complete your loan documents digitally through DocuSign.

Choose how fast funds arrive

We'll send the funds for free via FedEx 2-business day shipping. Or contact your loan consultant if you want it to arrive sooner for a fee.

Articles and Resources

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.

Type Term (months) APR (as low as)
Recreational Vehicles Rate 120 6.24%
Recreational Vehicles Rate 144 6.74%
Recreational Vehicles Rate 180 6.99%
Recreational Vehicles Rate 240 7.24%

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.

FAQs

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

Alliant offers recreational vehicle financing for conventional travel trailers, fifth-wheel travel trailers, class A motorhomes, expandable travel trailers, class B motorhomes, and class C motorhomes. All RVs need to be no more than 15 years old and have mileage of less than 75,000 miles. Maximum loan amount for private-party purchases is $100,000.

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

What should I do if I can’t make my payment on time?

If you anticipate difficulty, reach out to us to discuss options and avoid late fees.