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Recreational Vehicle Loans

Rates as low as10.49% APR1

family eating outside next to RV in mountains

If you’re looking for RV financing for your motorhome or camper, Truliant Federal Credit Union will get you on the open road quickly with flexible loan options.

Save time and money with Truliant RV financing.
Whether you’re in the market for a new RV, a used camper or you want to refinance an existing loan, we're here to help. With flexible terms and fast approvals, you’ll be on the road in no time. RV financing available for vehicles up to 10 years old.


Boat loans include motor, trailer & accessories. Classic Cars are based on J.D. Power valuation classifications. All loans are subject to credit approval.
(1) The estimated monthly payment on a $30,000, 60-month loan at 10.49% APR is $645.
(2) Annual Percentage Rate (APR) may change before consummation of the loan. Loan rates are based on credit history, profile, and loan terms.


RV Loan Calculators


What should you expect when applying for RV financing?

  1. Apply at one of our branches, over the phone or online using our quick, convenient digital application, available virtually anywhere.

  2. Once you apply, we will help to walk you through the rest of the process so if you ever have a question, we're here for you. If you applied online, you can expect the same personalized attention from one of our Digital Guidance Team members.

  3. Once a decision has been made on your application, we will contact you. If you are approved, your Digital Guidance Team member will contact you to discuss your RV loan amount, terms and payment information.

  4. Your funds are ready whenever you are so you're free to start your next adventure.

What should I know before researching RV financing?

Recreational vehicle loans are the second most expensive purchase many people make, followed only in price by their home. And much like home-buying, there are many tips to consider prior to moving forward with an RV purchase.

  1. Take your time. Be sure to look into the guts of the RV prior to purchasing to ensure things like your plumbing, electrical and other important factors are of quality. Many people take a year or more before finding their right camper. RV Loans are major investments, take time to ensure your decision is one you will be happy with for a long time.

  2. Ask around. Talk to people who have RVs and ask what they like or don't like with their camper or motorhome. Consider asking about their RV financing, was it stress free? How many lenders did they talk to about RV loans?

  3. Negotiate the price. A good rule of thumb is to look into purchasing an RV during the off-season at the end of the year or at the end of the month.

  4. Consider purchasing a used model. You may not want to rule out used models as these may be gently used or even updated with a lower price. RV loans are expensive, saving money on a used camper can positively impact the life of the loan.

When it comes to RV ownership, a simple solution could be to ease into the purchase. Learn how with our simple guide.

Mechanical Repair Coverage for RVs

Mechanical Repair Coverage4 can save you from expensive repair costs5 when your RV breaks down. Call us at 866-234-7633 or stop by a branch to discuss the details and see which of our three plans is right for you.

RV Info

A recreational vehicle, often abbreviated as RV, is a motor vehicle or trailer that includes living quarters designed for accommodation. Types of RVs include motorhomes, campervans, coaches, caravans (also known as travel trailers and camper trailers), fifth-wheel trailers, popup campers, and truck campers.

RVs can range from utilitarian – containing only sleeping quarters and basic cooking facilities – to luxurious, with features like air conditioning (AC), water heaters, televisions and satellite receivers, and quartz countertops, for example. RVs can either be trailers (which are towed behind motor vehicles) or self-propelled vehicles. Most RVs are single-deck; however, double-deck RVs also exist. To allow a more compact size while in transit, larger RVs often have expandable sides (called slide-outs) or canopies that are deployed when stationary.

The history of RVs can be traced back to the early 1900s, when people began to travel by car for pleasure. The first RVs were simply tents that were mounted on the back of a car. Over time, RVs became more sophisticated, with features like sleeping quarters, kitchens, and bathrooms.

Today, RVs are a popular way to travel and camp. They offer the convenience of a home away from home, and they can be used to explore a variety of destinations.

RV at a CampsiteThere are many different types of RVs available, so it is important to choose the right one for your needs. If you are planning on doing a lot of traveling, you may want to consider a motorhome. Motorhomes are self-propelled, so you do not need to worry about towing a trailer. They also tend to be more spacious than other types of RVs.

If you are looking for a more affordable option, you may want to consider a travel trailer. Travel trailers are towed behind a car, so they are not as spacious as motorhomes. However, they are still a great way to enjoy the outdoors.

No matter what type of RV you choose, be sure to do your research and find one that is right for you. RVs can be a great way to travel and camp, but they can also be expensive. It is important to choose an RV that fits your budget and your needs.

Here are some of the benefits of owning an RV:

  • Convenience: RVs allow you to bring your home with you wherever you go. This can be especially helpful if you are planning on doing a lot of traveling.
  • Flexibility: RVs give you the freedom to travel on your own schedule. You are not tied down to hotels or campgrounds.
  • Affordability: RVs can be a more affordable option than staying in hotels or motels.
  • Adventure: RVing can be a great way to experience the outdoors and see new places.

Here are some of the drawbacks of owning an RV:

  • Cost: RVs can be expensive to purchase, maintain, and insure.
  • Size: RVs can be large and difficult to maneuver, especially in tight spaces.
  • Storage: RVs can be difficult to store when you are not using them.
  • Maintenance: RVs require regular maintenance, which can be costly.
  • Insurance: RV insurance can be expensive, especially if you have a large or expensive RV.

Overall, RVs can be a great way to travel and camp. However, it is important to weigh the pros and cons before you decide if an RV is right for you.

Truliant Federal Credit Union has very nice people working there. Their member service representatives are amazing and they represent the core values of the company. People helping people.
The best place to get a loan and the customer service is wonderful.
Always friendly and helpful, I love my Truliant branch!
Everyone at Truliant is very polite, helpful and always answers all my questions. I call Truliant my bank because of the great service.
Everyone needs a local bank and the big banks are just not for everyone anymore. Try Truliant, they treat me like I’m important!

Other Loan Tools and Resources

(1) APR = Annual Percentage Rate. Loans are subject to credit approval.
(2) Only motorhomes and campers are eligible for loans that exceed 84 months. The estimated monthly payment on a $40,000, 84-month term RV loan at 11.99% APR is $706.
(3) Classic cars are based on NADA classifications.
(4) Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.
(5) Actual costs may vary by vehicle year, make, and model. Prices are based on actual claim experience of Consumer Program Administrators, Inc., and its affiliated companies’ customers as of September 2022. Your experience may be different.

Pull trailers, horse trailers, snowmobiles, four wheelers/quads/trikes, and mopeds are not eligible for a RV loan.
Provision of the calculator on this page is not an offer of credit. Its use in no way guarantees that credit will be granted. This calculator is solely for informational purposes and provides reasonably accurate estimates; the calculations are not intended to be relied upon as actual loan computations.