If owning an RV seems out of reach, let the loan experts at Adirondack Regional Federal Credit Union help. We offer amazing loan rates for used campers and recreational vehicles that will make living your dreams not only fun but affordable too!
Current RV & Camper Loan Rates
| Loan Type | Term | APR* starting at |
|---|---|---|
| New Campers & Boats | 24-36 Months | 6.00% |
| 48-60 Months | 6.50% | |
| 72-84 Months | 6.75% (Over $30,000) | |
| 120 Months | 8.25% (Over $30,000) | |
| up to 180 Months | 8.50% (Over $40,000) |
| Loan Type | Term | APR* starting at |
|---|---|---|
| Used Campers & Boats | 24-36 Months | 6.25% |
| 48-60 Months | 6.75% | |
| 72-84 Months | 7.50% (Over $30,000) | |
| 120 Months | 8.50% (Over $30,000) | |
| up to 144 Months | 9.00% (Over $40,000) |
| Loan Type | Term | APR* starting at |
|---|---|---|
| Recreation Vehicles (2022/Newer) | 36 Months | 7.75% |
| 48 Months | 8.00% | |
| 60 Months | 8.25% |
| Loan Type | Term | APR* starting at |
|---|---|---|
| Recreation Vehicles (2021/Older) | 48 Months | 8.25% |
Getting a ATV, Camper, Boat or RV Loan is Easy
Smaller Institution. Bigger Savings.
Shop around and see for yourself! Our RV and camper loan rates are extremely competitive, and, in most cases, we can offer a better financing rate than if you finance through an RV dealer. Even better, if we are your primary financial institution, we’ll give you an additional 0.25% off your loan rate!
Still Not Sure Where to Start?
We have compiled some quick tips for preparing to apply for a vehicle loan. Our expert loan officers are also available to talk with your unique circumstances to get you into the RV of your dreams. Stop into your local branch today!
FAQs
Just like our new and used car loans, we offer a variety of loan terms to fit your family’s budget. Options range from paying off your loan in as little as two years or extending out your pay-off date as far as 15 years*.
*RV loan terms over 6 years are subject to specific qualifications. See the loan rate chart below or stop in to speak with one of our expert loan officers to inquire.
- Either fill out our online application or stop into your local credit union branch
- Find out if you are approved to drive off in your new-to-you RV
Since the loan officer that handles your paperwork is the same as who makes the decisions, you get answers, and the money you need, quickly and easily without any hassles. You will often have an answer in less than 24 hours!
The only difference in the application process is the paperwork necessary to process the loan. When you purchase a new or used vehicle from an RV dealer, all you will need to provide us is the purchase agreement. If you are buying directly from the previous owner, you will need the purchase agreement as well as a copy of the title.
No.
We can finance 100% of the cost of your RV or camper, including sales tax, as long as you are paying market value!
No.
You are welcome to pay off your loan as quickly as you would like without accruing any early payment penalties.