Recreational Vehicle Loans

Road Trip!

Driving across the country during retirement or with the family is part of the American Dream, and Alliant is here to make your dream come true.

  • Rates as low as 3.99% APR
  • Flexible terms and competitive rates
  • The ability to use it to purchase a new or used recreational vehicle
  • Loans up to $1,000,000 for RV purchases
  • Pre-approval available—use as leverage as you shop around
  • Quick approval process with funds available the same day in most cases
  • Save money when you refinance your current loan from another financial institution
  • No prepayment penalty
  • Convenient automatic payment or monthly coupons

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?
In many cases, your funds can be available the 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.

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

Valuable protection that helps safeguard you and your family when you may need it most
Alliant is pleased to offer MEMBER’S CHOICE™ Protection Consumer Loan Protection. By choosing this valuable protection, you'll be adding a safety net for loan payments that helps to bring peace-of-mind for you and your loved ones should you encounter unforeseen financial difficulty due to disability, involuntary unemployment or death.

Consumer Loan Protection Options
To take advantage of this benefit, simply check your preferred protection package on the Loan Application. The fee will be added to your outstanding balance each month. This valuable protection can be added at any time during the life of your loan.

Option #1: Preferred Plan

  • Protects the primary borrower.
  • Protection includes loss of life, disability and postponement of payments due to 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 monthly loan payment for up to six months if involuntarily unemployed.

Option #2: Preferred Plus Plan

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

Option #3: Consumer Life Plan

  • Protects up to two borrowers per loan.
  • Cancels your outstanding loan balance up to $100,000 in the event of death.

Option #4: Life Payment Holiday Plan

  • Protects up to two borrowers per plan.
  • Protection includes loss of life and postponement of payments due to involuntary unemployment.
  • Cancels your outstanding loan balance up to $100,000 in the event of death.
  • Defers your monthly loan payment for up to six months or $6,000 if involuntarily unemployed.

Option #5: Payment Unemployment Holiday Plan

  • Protects up to two borrowers per loan.
  • Protection includes postponement of payments due to involuntary unemployment.
  • Defers your monthly loan payment for up to six months or $6,000 if involuntarily unemployed.

MEMBER’S CHOICE™ Protection Agreement for Consumer Loans (PDF)

MEMBER’S CHOICE™ Protection contains certain terms and exclusions. Protection is not available for term loans or Interest-only Home Equity products. The protected borrower(s) may not be eligible for all benefits. Refer to the MEMBER’S CHOICE™ Protection Agreement 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.

DPGAP-0612-0235

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.

Fees

Check our fee schedule.

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