Don't miss our limited-time offer! 90-days no payments1 for qualifying RV loans as low as 6.05% APR2. Loans available for motorhomes, travel trailer, fifth wheel trailers, campers, and horse trailers with flexible financing options and terms that fit your budget. Fresh air starts here!
apply now A new adventure on the open road awaits with the RV and trailer loan that's right for you. We can help you buy the camper of your dreams. United finances motorhomes, travel trailers, fifth wheel trailers, campers, and horse trailers.RV and trailer loans and refinancing
Wanderlust in style.
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 7.10% |
| $15,000 to $24,999 | 144 months | 7.20% |
| $0 to $14,999 | 84 months | 7.55% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 7.50% |
| $15,000 to $24,999 | 144 months | 7.60% |
| $0 to $14,999 | 84 months | 7.95% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 6.40% |
| $15,000 to $24,999 | 144 months | 6.50% |
| $0 to $14,999 | 84 months | 6.85% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 7.05% |
| $15,000 to $24,999 | 144 months | 7.15% |
| $0 to $14,999 | 84 months | 7.50% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 6.05% |
| $15,000 to $24,999 | 144 months | 6.15% |
| $0 to $14,999 | 84 months | 6.50% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 7.50% |
| $15,000 to $24,999 | 144 months | 7.60% |
| $0 to $14,999 | 84 months | 7.95% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 7.50% |
| $15,000 to $24,999 | 144 months | 7.60% |
| $0 to $14,999 | 84 months | 7.95% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 7.30% |
| $15,000 to $24,999 | 144 months | 7.40% |
| $0 to $14,999 | 84 months | 7.75% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
Please select your state in the dropdown to see our rates for your location.
| Effective Date: February 01, 2025 | ||
| Amount | Maximum Term | APR1 As Low As* |
|---|---|---|
| $25,000+ | 180 months | 7.30% |
| $15,000 to $24,999 | 144 months | 7.40% |
| $0 to $14,999 | 84 months | 7.75% |
| [1] APR = Annual Percentage Rate. The base APR available varies by state, as low as 6.05% to as high as 18.00% APR (as high as 17.00% APR in Arkansas or Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $50,000 at 6.05% APR for 180 months equals $423.28 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% Loan to Value, 0.25% discount with automatic payment from an Ultra or Rewards checking account and a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance. Some conditions apply. Financing up to 100% of the retail value of the vehicle is available. | ||
United offers a fixed rate loan to finance a new or used RV or trailer. Have confidence knowing that you won't be tied down with additional fees. We allow borrowing up to 100% of the value of your camper to help cover expenses like taxes, title fees, and negative trade-in equity. United has no application fee or early payment penalties. Want a golf cart to travel campgrounds? We’ve got you covered there too. A: You must have full coverage insurance with a $1,000 maximum deductible, and have a purchase order or copy of the title available. If multiple names are on the title, all parties must sign the appropriate paperwork for the loan and lien perfection. A: Once you have your recreational vehicle, its value is already worth less. Since insurance claim payments are based on the current value of your vehicle, your loan or lease could be higher than the value of your vehicle in the event of a total loss. Guaranteed Asset Protection (GAP) is an optional product that you may purchase for your vehicle that covers the difference between the outstanding loan balance and the actual cash value of the vehicle in the event of a total loss or theft. GAP can be added at any time, but it's most beneficial in the first 18 months of the loan. GAP is valid for one vehicle loan, including any recreational vehicle loan. The coverage cannot be combined across loans. A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest. A: Typically, GAP covers the loan itself and is nontransferable when the loan is refinanced. However, there is a slight chance GAP purchased on a United loan can be transferred if the loan is refinanced to a new United loan. The ability to request this option will be dependent on the terms of the new loan and if the loan term is extended or not. A: Yes, GAP can be added at any time to an existing loan with a qualifying vehicle. In most cases, it is most beneficial to add this during the first 18 months of the loan when there is the greatest likelihood of a deficiency balance in the event of a loss.
what our loan offers
competitive rates
flexible repayment terms up to 180 months2
borrow up to 100% of the vehicle's value
eligible for
Skip-a-Payment
easy to apply
discount with an
Ultra Checking
account2
no application fees or prepayment penalties
discount when you finance 80% or less2
discount with automatic payments2
Guaranteed Asset Protection Insurance4
Debt Protection3
helpful assistance
online
and in
branch
FAQ
