Start your adventure
Recreational Vehicle Loans Tips, Info & FAQs
Fixed-rate loan for a new or used recreational vehicle
Ready to start a new adventure? We can help finance the purchase of your dream recreational vehicle, whether that’s an RV, Boat, Motorcycle, All-Terrain Vehicle, Personal Watercraft, Camper, or Travel Trailer. When you get pre-approved with us first, you’ll be ready when you find that perfect fit.
4 Things to Know Before Buying an RV
1. Be ready to haggle
RV prices are often even more inflated than car prices. Expect to see 30% markups at many dealerships. The salespeople know this too, and are prepared to drop the price if you stand your ground.
2. Know your credit score
If your credit score is below 640, then you can expect to pay more at most places for your RV loan. Factor these potential increases in before you make a final decision.
3. Consider unexpected costs
Don’t forget, an RV is more than just the vehicle itself. Gas and maintenance for it are often much higher than what you would pay for a car. Keep this in mind as you negotiate the cost of your loan.
4. Compare loan rates
You should shop around for the best loan possible, rather than immediately accepting what the dealership has to offer. Often you can find better rates at your credit union.
From our Blog
FAQs
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When is my first payment due?
You may take up to 60 days to make your first payment.
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What are my options for making my RV loan payments?
We offer several convenient options for making your payment:
- Online Banking
- Online Bill Payment
- United Texas Mobile
- Bank to Bank Transfer
- In person at any United Texas Branch or Shared Branch location
- Via our 24/7 Telephone Banking (from a United Texas account)
- By phone at 1-800-531-8456 (free from a United Texas account or $5 if the payment is made from a credit card or non-United Texas account)
- At any United Texas night depository or ATM
- By mail – United Texas Credit Union, 5500 UTSA Boulevard, San Antonio, TX 78249
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Should I put any money down?
This is not always required. However, if you’re payment conscious it’s a good way to lower your monthly payment.
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When do I have to add my new RV to my insurance policy?
You should add your RV to your insurance policy prior to taking possession.
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Are there any penalties, if I pay it off early?
There are no pre-payment penalties.
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Can I finance the tax, title and other small fees the dealer charges in my loan?
We offer up to 125% financing in most cases. Therefore, you may include dealer tax, title, and license in your purchase.
Recreational Vehicle Loans Rates & Calculator
Loan Calculator
Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Motorcycle/PWC/ATV – New
|
New Motorcycle/PWC/ATV (minimum $15,000 to exceed 48-month term) |
as low as 9.00% APR* | up to 60 months |
*APR means Annual Percentage Rate. Rates are effective as of June 1, 2023. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $20.76 per month for 60 months at 9.00% APR.
Motorcycle/PWC/ATV – Used
| Used Motorcycle/PWC/ATV | as low as 10.50% APR* | up to 48 months |
*APR means Annual Percentage Rate. Rates are effective as of June 1, 2023. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $25.60 per month for 48 months at 10.50% APR.
Boat – New
|
New Boat
(minimum $15,000 to exceed 48-month term) |
as low as 9.30% APR* | 60 - 84 months |
*APR means Annual Percentage Rate. Rates are effective as of June 1, 2023. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $20.90 per month for 60 months at 9.30% APR.
Boat – Used
| Used Boat | as low as 10.30% APR* | up to 48 months |
*APR means Annual Percentage Rate. Rates are effective as of June 1, 2023. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $25.51 per month for 48 months at 10.30% APR.
RV/Camper/Travel Trailer – New
| New RV/Camper/Travel Trailer | as low as 9.00% APR* | up to 60 months |
| New RV/Camper/Travel Trailer | as low as 9.25% APR* | up to 72 months |
| New RV/Camper/Travel Trailer | as low as 9.50% APR* | up to 84 months |
*APR means Annual Percentage Rate. Rates are effective as of June 1, 2023. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $20.76 per month for 60 months at 9.00% APR.
RV/Camper/Travel Trailer – Used
| Used RV/Camper/Travel Trailer | as low as 10.00% APR* | up to 48 months |
| Used RV/Camper/Travel Trailer | as low as 10.25% APR* | up to 66 months |
*APR means Annual Percentage Rate. Rates are effective as of June 1, 2023. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Payment per $1,000 is approximately $25.36 per month for 48 months at 10.00% APR.
Recreational Vehicle Loans Why United Texas
Recreational Vehicle Loans
- Competitive rates
- Flexible Terms
- Up to 100% of the value for new vehicles
- Up to the NADA Book value for used vehicles
- No payments for the first 60 days
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Recreational Vehicle Loans How it Works
Getting an RV loan with us is fast and painless. Here are the simple steps:
STEP 1
Contact us in person, online, or by phone and complete a quick loan application.
STEP 2
Get us the information about the vehicle you have chosen.
STEP 3
Open an account if you are NOT already a member of United Texas.
STEP 4
Sign your loan documents with us, in person or electronically.
STEP 5
Pick up your newly purchased recreational vehicle.