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Large Recreational Vehicle Loans

Financing fun times for you and your family

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Large RV Loan Benefits

  • Borrow for motor homes, travel trailers, camping trailers
  • Same low rates on new and used
  • Purchase or refinance with affordable monthly payments
  • Borrow up to 90% of purchase price
  • Save with Relationship benefits and electronic payment

Large RV Loan Benefit Details

  • Finance motor homes, travel trailers, or camping trailers
  • New or used RVs – with same low fixed rates.
  • Borrow up to 90% of purchase price – or NADA book value (whichever is less).
  • For purchases and refinancing – Have an existing loan elsewhere? Move it here and save.
  • Terms up to 20 years on new RVs – and 10 years on used. That helps keep payments affordable on larger purchases.
  • Save with Relationship benefits and electronic payment – Save on rates when you qualify for Relationship benefits on your DCU Checking Account and make payments electronically (payment by transfer in Online Banking, Mobile Banking, Easy Touch Telephone Teller, DCU ATM, or internal DCU automatic transfers. Add 0.50% to rate for other payment methods.
  • Interest may be tax deductible – RVs with a bathroom, kitchen, and sleeping area are considered a home under IRS rules. Interest on loans to finance them may be deductible on your federal taxes. Visit the IRS web site ( for details.

Large RV Loan Financing Rates*

For New or Used Motor Homes, Travel Trailers, Camping Trailers

Qualified borrowers can finance up to 90% of NADA retail book value or 90% of the purchase price, whichever is less.

Our Best Rates*
Terms / Features Annual Percentage Rate Estimated Monthly Payment
per $1,000
Up to 60 months
Minimum Loan Amount $5,000
6.49% $19.56
Up to 72 months
Minimum Loan Amount $15,000
6.99% $17.04
Up to 84 months
Minimum Loan Amount $15,000
7.49% $15.33
Up to 120 months
Minimum Loan Amount $25,000
7.99% $12.13
Up to 180 months
Minimum Loan A Mount $50,000
7.99% $9.55
Up to 240 months
Minimum Loan Amount $75,000
7.99% $8.36

Rates are effective .

*Rates are determined by your personal credit history, account relationship, and payment method.

Large Recreational Vehicle Loans is rated 4.5 out of 5 by 20.
Rated 5 out of 5 by from excellent service again Jill was able to get our loan set up quickly and without any issues. Great customer service.
Date published: 2017-12-13
Rated 5 out of 5 by from Outstanding service from DCU once again Applied on line, approved online, money transferred to Dealership by 10 am. What more can I say?
Date published: 2017-11-15
Rated 5 out of 5 by from Great Service and fast results Great Service and fast results and best rates i will recommend to everyone
Date published: 2017-10-28
Rated 5 out of 5 by from Great service! Customer service is outstanding. I had a check for my RV loan in my hand within 48 hours. Unbelievable!
Date published: 2017-06-24
Rated 5 out of 5 by from This product has great features I was happy with the customer service and interest rates. I would recommend DCU to anyone looking for a credit union to bank with.
Date published: 2016-11-05
Rated 5 out of 5 by from Excellent internet options on loans I have continued using DCU even though I moved over 3 hours away from there closest branch. With there great rates and excellent customer service we get all my financial needs done by Internet,phone and mail.
Date published: 2016-02-27
Rated 5 out of 5 by from Very easy and quick process DCU customer agents were very professional and easy to work with to get the loan done. Excellent service!
Date published: 2015-06-13
Rated 5 out of 5 by from Process for applying andgetting laon easy Great process. Able to do everything over the phone or online.
Date published: 2015-04-13
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on an rv loan forr $27000 what would be the max term in months available and best interest rate for that term.

Asked by: heavy d
I think max is 72 months and depend on your credit i got 30k for 6.74%
Answered by: sunny
Date published: 2017-12-30

Can you get pre approved before finding a suitable camper?

Asked by: Newcamper
yes you can get preapproved
Answered by: sunny
Date published: 2017-12-30

What Is the maximum age that you will finance

What is the maximum age of vehicle (RV) you will finance and the term and LTV that is allowed?
Asked by: RV financing
The vehicle age can vary, as long as, the value of the vehicle is more than the loan amount being requested. If there are concerns, you may be required to obtain an appraisal at your expense.
Answered by: DCU Staff
Date published: 2014-09-06

What is the Loan Term for an RV that is 25 years old ?

Can you please give a table of loan terms of RV 10, 15, 20, 25 years old
Asked by: Alex
The age of the Recreational Vehicle would only be considered in regards to determining the current value. We will finance a vehicle that is over 12 years old, depending on the member's relationship with DCU and credit history. Term lengths will depend on the amount being borrowed and are as follows: •$5K for 60 Months •$10K for 84 Months •$25K for 144 Months •$50K for 180 Months •$75K for 240 Months
Answered by: DCU Staff
Date published: 2016-06-11

Tiny home

Do you offer financing/mortgage for a tiny home? They cost anywhere between $20,000 to $81,000...
Asked by: JL
To be eligible for a Mortgage for a Tiny Home we would require that it fall under our Manufactured Housing Loan criteria. The general requirements are as follows but not limited to: Minimum loan amount is $50,000, home must be permanently attached to a foundation, you must own the land the home sits on, and the home must be permanently attached to utilities. For more detailed information if you would qualify for a Mortgage or other type of loan for this property we recommend that you contact a Loan Specialist. They can be reached by phone at (800) 328-8797 option 3.
Answered by: DCU Staff
Date published: 2017-12-09
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Easy Ways To Apply Today

  1. Apply Online
  2. By Phone
    Call 508.263.6700 and press 3
  3. Any DCU Branch