RV Loans
RV
With OE Federal, you can get ready to start mapping out road trips in your dream RV without worrying about breaking the bank. We offer a variety of affordable financing options for motorhomes, 5th wheels, travel trailers, and horse trailers with living quarters. Start searching for your RV on AutoSMART today.
- Motorhome, 5th wheel, trailer, and horse trailers with living quarters
- Buy new or used
- Repayment plan up to 180 months
- Purchase from dealer or private party
- No early payoff penalties
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-84 months 2 | 7.99% to 15.99% |
| 85-120 months 5 | 8.49% to 16.54% |
| 121-180 months 6 | 8.99% to 16.99% |
LOAN TYPE
Current model year
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (JD Power Retail Value clean retail value if MSRP is not available), not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in.
Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months
2 Minimum loan amount $10,000 | 5 Minimum loan amount $35,000 | 6 Minimum loan amount $50,000 |
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-84 months 2 | 7.99% to 15.99% |
| 85-120 months 5 | 8.49% to 16.54% |
| 121-180 months 6 | 8.99% to 16.99% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of JD Power retail value, not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in
Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months
2 Minimum loan amount $10,000 | 5 Minimum loan amount $35,000 | 6 Minimum loan amount $50,000 |
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
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Learn MoreNew Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-84 months 2 | 7.99% to 15.99% |
| 85-120 months 5 | 8.49% to 16.54% |
| 121-180 months 6 | 8.99% to 16.99% |
LOAN TYPE
Current model year
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (JD Power Retail Value clean retail value if MSRP is not available), not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in.
Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months
2 Minimum loan amount $10,000 | 5 Minimum loan amount $35,000 | 6 Minimum loan amount $50,000 |
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 36-84 months 2 | 7.99% to 15.99% |
| 85-120 months 5 | 8.49% to 16.54% |
| 121-180 months 6 | 8.99% to 16.99% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of JD Power retail value, not to exceed documented purchase price. Includes sales tax, license fee, MRC, Extended Warranty, and GAP.
Maximum Loan Amount: $300,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in
Loan Payment Example: $24.41 per month per $1,000 borrowed at 7.99% APR for 48 months
2 Minimum loan amount $10,000 | 5 Minimum loan amount $35,000 | 6 Minimum loan amount $50,000 |
*All rates and terms are dependent on credit worthiness.
Information accurate as of December 1, 2024.
Frequently Asked Questions
-
Is a down payment required?
A down payment may be required depending on the RV value, the term, and your credit score. RV loans over $100,000 require a 20% down payment.
-
What is the max term for an RV loan?
180 months with a minimum loan amount of $50,000
-
How old of a RV can I finance?
15 model years or newer only.
-
Can I purchase from a private party seller?
Yes, you can purchase from a private seller.
-
Can I add GAP to my RV loan?
Yes, you can GAP to your RV loan. To learn more, click here.
-
What is CUDL?
CUDL stands for Credit Union Direct Lending. Most dealerships work with OE Federal to be part of the CUDL program to make the buying experience easier for you. At the dealership, you can request to finance directly with OE Federal. And, in most cases, CUDL offers the flexibility for you to leave the dealership with the vehicle the same day, pending approval.
- What is AutoSMART?
-
Do I have to shop only at CUDL dealerships?
No, we work with non-CUDL dealerships too. To save time on your purchase, apply online ahead of time to have your pre-approval ready.
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How does a refinance work?
You’ll want to start by submitting an OE Federal loan application. Pending approval, you’ll need to contact your current lender and request a 10-day payoff letter. Once we receive the 10-day payoff letter and any remaining documents, we’ll send the payoff check to your current lender and they’ll send us the title.
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Does OE Federal charge a fee to refinance?
OE Federal does not charge an additional fee to refinance your loan, however, sometimes there can be a DMV transfer fee which can be calculated prior to finalizing your loan.
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How soon can I can refinance my loan?
As soon as you’re ready. Give us a call or stop by your local branch so we can walk you through the steps.