Recreational Vehicle Loans

Road Trip!

Driving across the country during retirement or anytime with the family is part of the American Dream, and Alliant is here to make your dream come true. Our Recreational Vehicle Loan gives you:

• Rates as low as 6.99% APR
• Flexible terms and competitive rates
• The ability to use it to purchase a new or used recreational vehicle
• Pre-approval available—use as leverage as you shop around!
• Funds that may be available same day in most cases
• Alliant can also save you money when you refinance your current loan from another financial institution

Take advantage of our great rates and flexible terms to finance a recreational vehicle. All Alliant recreational vehicle loans feature:

• Loans up to $1,000,000 for RV purchases
• Quick approval process with funds available the same day in most cases
• No prepayment penalty
• Convenient automatic payment or monthly coupons

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Frequently Asked Questions

How can being pre-approved help me when I’m shopping for an RV?
Being pre-approved helps you focus on negotiating the best price, knowing that you won’t end of up with high rate financing when you close the deal. Plus, RV dealers tend to take people more seriously when they come in with a pre-approved loan because it means you’re ready to do business and not just “window shopping.” That puts you in a better position to negotiate, since they know you are a serious buyer.

How fast can I be approved? Will funds be available same day?
We understand that you want to get on the road with your new RV fast, and with as little fuss and minimal paperwork as possible. Our loan specialists will answer your questions and help expedite the simple application and quick approval process. In many cases, your funds may be available the same day.

Can I pay my loan off quicker than the payment schedule?
Absolutely! At Alliant, there are no prepayment penalties for paying off your Recreational Vehicle Loan faster than your payment schedule. In fact, it’s a great way to save interest expense in the long run.

Member's Choice Protection

Alliant is pleased to offer MEMBER’S CHOICE™ Consumer Loan Protection. By adding this low-cost valuable payment protection to your loan, you’ll be adding a safety net of comfort and peace-of-mind for you and your loved ones, should you encounter unforeseen financial difficulty due to disability or death.

• Provides peace-of-mind for only pennies a day
• Protects you and your family by canceling your monthly payment, up to the plan maximum, in the event of disability; or your outstanding loan balance, up to the plan maximum, in the event of death
• Shields you from loss of income with involuntary unemployment coverage
• Helps preserve your valuable credit rating
• Helps shelter you from bankruptcy, foreclosure and repossession in a difficult time
• Coverage available up to age 70 on all consumer loan protection options

Consumer Loan Protection Options*
Simply check your preferred protection package on the Loan Application.

Option #1: Ultra Plan

• Protects the primary borrower
• Protection includes life, disability and involuntary unemployment
• Cancels your outstanding loan balance up to $100,000 in the event of death
• Cancels your monthly loan payment for up to twelve months or $12,000 in the event of disability
• Cancels your monthly loan payments for up to six months or $4,000 if involuntarily unemployed

Option #2: Preferred Plan

• Protects the primary borrower
• Protection includes life, disability and involuntary unemployment
• Cancels your outstanding loan balance up to $100,000 in the event of death
• Cancels your monthly loan payment for up to twelve months or $12,000 in the event of disability
• Defers your loan payments for up to six months if involuntarily unemployed

Option #3: Preferred Plus Plan

• Protects both you and the co-borrower with the same benefits as the Preferred Plan

Option #4: Consumer Life Protection Plan

• Protects up to two borrowers per loan for just pennies a day
• Cancels your outstanding loan balance up to $100,000 in the event of death

*MEMBER’S CHOICE™ Protection contains certain terms and exclusions. Protection is available up to age 70. The protected borrower(s) may not be eligible for all benefits. Refer to the MEMBER’S CHOICE™ Protection Agreement for Consumer Loans for complete details. The MEMBER’S CHOICE™ Protection fee will be added to your loan and calculated in your monthly payment. Rates, terms and conditions are subject to change. Purchase of this protection is voluntary and not required in order to obtain credit. We will not consider whether or not you elect this protection in making our credit decision.

Guaranteed Asset Protection

Added Protection for Your Vehicle and Alliant Car Loan. GAP is an affordable way to protect against potential financial loss. Gap is a waiver which pays the difference between your insurance company's actual cash value of your car, less your deductible, and your Alliant Credit Union loan balance in the event the covered vehicle is stolen, damaged beyond repair, or otherwise declared a total loss.

• If your car is stolen or totaled, its actual cash value as determined by your insurance company can be thousands less than the amount that remains on your car loan balance which you are obligated to pay
• GAP can save you from making loan payments for a vehicle that’s beyond repair, stolen or unrecoverable

You should consider protecting yourself with GAP if you have financed more than 75% of the value of your vehicle, or intend to purchase a car with little or no money down.

• GAP is available for both new and used vehicles, including all car makes and models, light trucks, vans, personal watercraft, snowmobiles, ATVs, motorcycles and some small RVs and boats valued up to $100,000
• Covers the difference between actual cash value (less deductible) and outstanding loan of up to $50,000
• Can be purchased at any time during the life of an Alliant vehicle loan, for loans up to 84 months, and is completely refundable if cancelled within the first 90 days

Ask about GAP when you apply for your Alliant vehicle loan.

Vehicle Service Agreement (VSA)

Take a look at our Vehicle Service Agreement before you purchase an extended warranty from the car dealer.

• Our comprehensive Vehicle Service Agreement program offers top-of-the-line coverage with savings up to 50% over dealership programs.
• Covers all approved repairs at dealerships and licensed repair facilities in the U.S. and Canada
• Savings of $200 to $2,000 on top-of-the-line coverage compared to dealerships
• New vehicle protection up to 100,000 miles
• Eligibility period - new and pre-owned vehicles up to 7 years old with 80,000 miles or less
• Towing protection
• Travel expense reimbursement
• Car rental up to 10 days
• 24-hour toll-free claim access and more

Ask a Member Services Representative for details.

Fees

Check our fee schedule.