RV loans

Your RV trip starts with an affordable recreational vehicle loan from Oregon State Credit Union. There's no application fee and no prepayment penalty for early payoff. Get NADA pricing guides. Apply online or visit your favorite branch for our best RV rates and flexible credit union terms.

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RV, boat and other recreational vehicle loan rates
Effective Date: Wednesday, June 19th, 2024
Vehicle typeAPR (Low)*APR (High)Repayment terms

Choose a branch to apply for a loan || Call 800-732-0173

New or used boat or RV

New boat or RV (2023-2024) 7.99% 19.24% Up to 72 months
New boat or RV (2023-2024) 8.24% 19.49% 73-180 months
New RV (2023-2024) 8.74% 10.99% 181-240 months
Used boat or RV (2014-2022) 8.74% 20.24% Up to 72 months
Used boat or RV (2014-2022) 8.99% 20.49% 73-180 months

ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft

New (2023-2024) 7.49% 18.24% Up to 72 months
New (2023-2024) 7.74% 18.49% 73-84 months
Used (2018-2022) 8.24% 19.24% Up to 72 months
Used (2018-2022) 8.49% 19.49% 73-84 months

About these rates

*APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

Payment examples

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments.

  • A $10,000 new RV or boat loan with a 72 month repayment term will have a 7.99% APR and a monthly payment of $175.29.
  • A $20,000.00 new RV or boat loan with a repayment term of 120 months will have a 8.24% APR and a monthly payment of $245.23.
  • If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement.

We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.

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Learn more: helpful RV articles

RV articles listed here will help you get oriented to a variety of RV topics. Don't miss the quick mini-guide on the topic, "Can I deduct the interest on my RV loan?" Anyone not paying cash for an RV will probably opt for a loan to finance the cost. An important question to explore: can you deduct the interest you pay on the loans?

RVs: we do the loan, you do the adventure

Mobility, practicality, comfort, style, adventure, inventiveness — these are a few of the qualities we appreciate about RVs that have come down through the years. For example, a 1910 creation on a Packard truck weighing in at three tons may be the first motor home ever built. It was 28’ long and 6 ½ feet wide, included an ice box, toilet, salon and could sleep 11 people. Later, in 1954, also the year Oregon State Credit Union began, a new idea emerged for what might be the ultimate RV-boat cross-over, perfect for creating lasting memories on land and water: a Kom-Pak Sportsman Travel Trailer. It had a roof made of a 16’ removable fishing boat, making it a kind of hybrid for RV-boaters. Today, there are so many needs and interests in recreational vehicles, and that’s why we provide loans for all types of RVs, boats and sport vehicles for our members. Members are our adventure-loving shareholders, the people who do business with us before they head out to the road or water. One advantage: when someone borrows from Oregon State Credit Union for a boat or RV, earnings made by the credit union on that loan are paid back to members in the form of lower and fewer fees, and competitive interest rates, not to mention affordable boat insurance and RV insurance, and convenient online RV-boat shopping tools. Let the RV adventure begin! Not a member yet? Join online here.

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