Recreational Loan Tips
These recreational loan tips can help you learn about RV loans and the best way to get a loan to meet your needs.
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RV Loans
as low as
5.49
%
APR
The APR (Annual Percentage Rate) is effective as of 07/01/2024. Rates range from 5.49% to 18.00% APR with terms up to 180 months. Upon submitting an application, you may qualify for a higher or lower loan amount and/or higher APR. The APR is determined by various factors within Arkansas Federal’s custom scoring model, including, but not limited to, credit score, credit history, income, and debt-to-income. You must have a minimum household annual income of $25,000, be over 18 years of age, and have a valid U.S. Social Security Number to be considered for an Arkansas Federal motorcycle, boat, ATV, or RV loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. Up to 100% financing is available. New (never been titled) values are based on the MSRP as stated by the NADA unless the MSRP is provided by the dealer. Used (previously titled) values are based on the NADA average retail. Some restrictions apply. Full coverage insurance with a maximum deductible of $1,000 is required on all motorcycle, boat, ATV, and RV loans. The borrower is responsible for adding Arkansas Federal as a lienholder. Offer and rate advertised are subject to change without notice. Membership with Arkansas Federal is required.
%
APR
Competitive rates and convenient terms.Terms range from 24 to 180 months: Motorcycle/ATV: 24-84 months and Boat/RV: 60-180 months.
Are you in the market for a motorhome, fifth wheel, camper, or another recreational vehicle (RV)? You’re in the right spot! Whether you’re looking at new or used, we can get you on the road quickly with fixed rates and fast approvals.
Features & Benefits
100% Financing
Up to 100% financing for new or used RVs, including taxes and other applicable fees.With approved credit.
Affordable Payments
Enjoy fixed rates and terms up to 180 months for new and used RVs!Terms range from 24 to 180 months: Motorcycle/ATV: 24-84 months and Boat/RV: 60-180 months.
$0 Application Fee
There’s no cost to apply, and the application is easy. Get started today!
Frequently Asked Questions
What types of RVs can I finance with?
We offer financing for campers, trailers, motorhomes, pop-up campers, fifth wheels, slide-on campers, and more! Curious if your dream RV will be covered? Get in touch with us.
How do I get an RV loan?
To get started, complete an RV loan application. You can apply online, visit any of our local branches, or call us 800.456.3000 at your convenience.
How do RV loans work?
RV loans are similar to auto loans or mortgage loans. You will need to make monthly payments on your loan until your loan is fully repaid. The interest rate and length of your loan will vary depending on your credit score, income, and loan amount.
Are the loan rates the same for all RVs?
No, rates are based on borrower qualifications, creditworthiness, LTV (Loan-to-Value), term, and amount financed.
What is the typical term for an RV loan?
While the average RV loan is 10 years, other terms are available and may vary depending on many factors, such as:
- Is the RV brand new, used, or refinanced?
- How much do you intend to borrow?
Does Arkansas Federal offer refinancing?
Yes! You can refinance with us if you’re current loan is not originally from Arkansas Federal.
Protect Your RV
Help protect your home on wheels with RV insurance.4