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Ready to adventure and explore in an RV? With smart financing options, you may be closer than you think to achieving your dream of owning a motorhome or camper. United helps members finance recreational vehicles with competitive rates and additional options to lower your interest rate. Here’s what you need to know to get ready to buy, whether you’ve already found the RV of your dreams, or are planning on shopping at RV shows, visiting dealerships, or contacting a private seller.

Here’s how to finance an RV with United Federal Credit Union 

Recreational vehicles we finance

United offers financing for different types of recreational vehicles, from campers to fifth wheel trailers.  

• Motorhomes
• Travel trailers
• Fifth wheel trailers
• Campers
• Horse trailers

Get pre-approved so you're ready to buy

If you know that you want to buy an RV but haven’t found the right one yet, consider getting pre-approved for an RV loan. This will help speed up the process once you find the one you can’t live without. You can get pre-approved for the RV loan amount you think you’ll need or are looking to spend.

• Apply to get pre-approved for an RV loan
• Find the RV you want to buy
• Provide United with the RV details
• Finalize loan approval process with a United Member Service Advisor

If you’ve already found the RV you want to buy

Here are the steps to take if you’ve already found the RV that you want to buy and finance with United.

• Get a purchase order from the dealer
• If it’s a private party: document year, make, model, VIN, and any added products such as slide outs, TVs, or outdoor kitchen
• Apply for an RV loan online or at a United branch
• Finalize and sign loan agreement
• United provides a check for the down payment, to give to the dealership or seller

What you need to provide to apply for an RV loan

Here’s what to expect to provide when applying for an RV loan at United. These steps can be completed online, or at a branch with the help of a Member Service Advisor.

• Your basic information
• Vehicle details
• Loan details
• Borrower details

Tips for saving money on interest for an RV loan with United

United offers Members opportunities to save money on paying interest. Members can take advantage of one or more of these options to lower your interest rate.

• Open Ultra Checking account for 0.10% discount*
• Finance 80% or less of the total RV amount for 0.25% discount*
• Set up automatic payments for 0.25% discount*

Total discount available on interest rate = 0.6%

Apply online now for an RV loan with United

As you gear up to buy your RV, let yourself enjoy the excitement that comes with planning new adventures. Whether you're dreaming about quiet mornings at the campground or cross‑country road trips with your favorite people, getting prepared now means you’ll be ready to hit the road with confidence. With a little research, the right financing, and a clear idea of what you want, you’re already well on your way to finding the perfect home on wheels. Here’s to the journeys ahead—may they be smooth, scenic, and full of unforgettable moments.

Got an RV financed with United? We'd love to see your photos and hear your stories. Share them with us: [email protected]