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RV Loans

For any recreational vehicle & adventure

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Loan Details

Loan Payment Protections

Holiday skip-a-pay

Online & Mobile Banking

Additional Features

Loan Flex Program

Vehicle Loan Instructions

Loan Details

Affordable financing for all types

  • Terms up to 144 months
  • Motor Homes, Campers, & Small Utility Trailers
  • Motorcycles, ATV’s, Scooters, & Snowmobiles 
  • Boats, Small Watercraft, & more!
  • Same rates for new or used vehicles with a model year of 2018 or newer
  • For vehicles model year 2017 and older, add 1% to rate
  • GoldStar® Member Rate Discounts
  • No pre-payment penalty for paying the loan off early
  • Rates are subject to approval based on credit score tier and loan-to-value percentage
  • 6-month extended term if an optional Loan Payment Protection is added
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Loan Payment Protections

Optional protection for your auto loan

6-month extended term if an optional Loan Payment Protection is added:

  • Debt Protection (DP) for life, involuntary unemployment, or disability
  • Guaranteed Asset Protection (GAP) if vehicle is totaled (only available on some recreational vehicles)
  • Mechanical Breakdown Protection (MBP) extended warranty (not available for RV loans)

Holiday skip-a-pay

Option to skip a monthly payment

  • Holiday Skip-a-Pay allows you to skip a payment in November, December, or January
  • Must submit application form to select which loan payment(s)* you want to skip
  • $25 processing fee will be added to the balance of the loan
  • All processing fees will be donated to the American United
  • Charitable Foundation to support Veterans, Underserved, and Tribal communities

*Interest still accrues and your loan balance doesn’t change. “Skip-a-Pay” does not apply to credit card, real estate, business loans, overdraft loans, or delinquent loans. Members with Guaranteed Asset Protection (GAP) on auto loans are only allowed to “skip” 2 payments or have 2 delinquencies throughout the term of the loan. Other qualifications and restrictions may apply.

Online & Mobile Banking

Banking whenever, wherever

  • Mobile App
  • E-Statements
  • Automatic Bill Pay
  • Money Desktop Tools
  • Mobile Deposit
  • Zelle® Payments
Online & Mobile Banking

Additional Features

Even more that comes standard

  • Monthly Statements
  • Competitive rates for our members
  • Loan pre-approval is available
  • All credit scores are welcome to apply
  • End-of-Year Member Reward Dividend
  • Free account access at CO-OP Shared Branches
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA
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Loan Flex Program

Special offers to extend your term or take cash out

  • Offers will be extended to you automatically if you qualify
  • Allows members the ability to lower their auto loan payments by extending the loan term
  • Members may also elect to take additional cash out on the loan up to the maximum available to them
  • This is NOT considered a new loan, it is offered on existing auto loans to modify the loan with no additional fees or refinance processes
  • Some requirements include loan must be greater than 12 months old, the loan must be current, & auto must be less than 10 years old

Vehicle Loan Instructions

View our 1-pager with detailed instructions

  • Important things to note once you have an auto loan with us
  • Instructions for loans secured by autos and recreational vehicles
  • How is collateral identified?
  • Title perfection and other instructions
  • Loan payoff
  • Titling and lien recording guide
Vehicle Loan INstructions

"At American United, they understand the thrill of the open road and the joy of outdoor adventures. Whether you're dreaming of cruising the lakes in a boat, exploring the wilderness in a camping trailer, or tearing up the trails on a side-by-side, they are ready to help you make it a reality. Their recreational loans are designed to provide the financial support you need to embark on your next great adventure."

American United FCU Member

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RV Loan Rates

Rates up to date as of July 3, 2024. Rates subject to change without notice.

All Recreational Vehicles84-month APR144-month APR
2018 & Newer1As low as 7.49%2As low as 8.49%2
2017 & Older1As low as 8.49%2As low as 9.49%2

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan terms can be extended up to 6 months for adding Debt Protection or Guaranteed Asset Protection (GAP) coverages.
2. GoldStar® Membership required, otherwise rate is 0.25% APR higher.

Upgrade to GoldStar® membership

  • Loan Rate Discounts on Vehicle & Personal Loans
  • Higher Monthly Dividend Rates on Balances $500+
  • Higher Dividend Rates on Savings & Certificate Accounts
  • Access to No Cost Identity Theft Protection
  • Free or discounted services & additional rewards
GoldStar® membership

Frequently Asked Questions

Why Choose Our RV Loans?
  • Competitive Rates: We offer competitive interest rates that can help make your dream RV affordable and within reach. Our goal is to provide you with a loan that suits your budget and helps you get the most out of your recreational vehicle.
  • Flexible Terms: We understand that everyone’s financial situation is different. That’s why we offer flexible loan terms, allowing you to choose a repayment plan that fits your needs. Whether you prefer a shorter-term loan with higher monthly payments or a longer-term loan with lower monthly payments, we have options to accommodate your preferences.
  • Easy Application Process: Applying for an RV loan with American United is quick and hassle-free. Our online application allows you to conveniently apply from the comfort of your home. We strive to provide a seamless and efficient application process, so you can focus on planning your adventures.
  • Expert Guidance: Our experienced loan officers are here to guide you through the loan application process and answer any questions you may have. We’ll work closely with you to understand your needs and help you choose the right loan option for your recreational vehicle purchase.
Types of RVs We Finance
  • Boats: Whether you’re looking for a motorboat, sailboat, fishing boat, or yacht, our RV loans can help you sail the waters with confidence
  • Camping Trailers: If you’re a camping enthusiast, our loans can assist you in purchasing a travel trailer, pop-up camper, or fifth wheel. Experience the great outdoors in comfort and style
  • Side-by-Sides: For off-road adventures, our loans cover side-by-side vehicles that allow you to explore rugged terrains and conquer new trails
  • Whatever type of recreational vehicle you have in mind, we’re here to provide the financial support you need to turn your dreams into reality