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RV Loans for Every Adventure

Take on the open road in a new or used motorhome, camper, or trailer with RV financing from PCU.
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RV LOAN RATES

[1] APR=Annual Percentage Rate. [2] Finance up to 100% of invoice price on RVs in the current and previous model with less than 15,000 miles. Contact CCCU for longer-term loan options. Payment example is based on a $20,000 loan. [3] RVs/Boats over two model years old are considered used. 100% financing is available on used RV/Boat loans with approved credit. Payment example is based on a $20,000 loan.

Rates as of: May 8, 2023
TERM
APR1 (as low as)
PAYMENT2 (MONTHLY)
TERM
0 - 60 Months
APR1 (as low as)
7.99%
PAYMENT2 (MONTHLY)
$406.00
TERM
61 - 84 Months
APR1 (as low as)
8.49%
PAYMENT2 (MONTHLY)
$317.00
Rates as of: May 8, 2023
TERM
APR1 (as low as)
PAYMENT3 (MONTHLY)
TERM
0 - 60 Months
APR1 (as low as)
8.24%
PAYMENT3 (MONTHLY)
$408.00
TERM
61 - 84 Months
APR1 (as low as)
8.74%
PAYMENT3 (MONTHLY)
$320.00

[1] APR=Annual Percentage Rate. [2] Finance up to 100% of invoice price on RVs in the current and previous model with less than 15,000 miles. Contact CCCU for longer-term loan options. Payment example is based on a $20,000 loan. [3] RVs/Boats over two model years old are considered used. 100% financing is available on used RV/Boat loans with approved credit. Payment example is based on a $20,000 loan.

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RV Financing Benefits

Travel from coast to coast in the camper or motorhome of your dreams with RV financing from PCU. Explore new or used recreational vehicles with terms to fit your unique needs. We also offer RV loan refinancing options to help lower your interest rate or monthly payment.

Woman relaxing in front of her RV on a camp trip in Portland Oregon.

Low Rates & Fees

Dreaming of the open road? With our competitive fixed rates and low fees, we make dreams affordable!

Flexible Terms

Get financing that fits your adventure budget, with terms up to 84 months (or potentially longer3).

100% Financing

At PCU, we know that every dollar counts, and that's why we offer up to 100% RV financing.

Local Decisions

Local decisions mean fast decisions. Our team is ready to get you in your perfect RV today.
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OUR BEST RV LOAN RATES

RV Loan Calculator

Find your perfect payment4! Try different rates and terms to see what works for your budget, then email yourself the results.

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The Best RV, Camper, Trailer, and Motorhome Financing

No matter how you're traveling, our RV loans have you covered. PCU's flexible terms and low rates are designed for adventures or budgets of any size. 

  • Flexibility: Let us tailor a loan that's your perfect fit. Our rates are some of the lowest around, and we offer terms up to 84 months (or potentially longer)3.
  • 100% Financing: We offer 100% RV financing for qualified buyers so you can start your adventure with no money down.

Have questions? Contact a PCU loan expert or drop by a branch.

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Group family camping and eating dinner outside of their RV purchased with an RV loan.
Camper van on the cost watching the sunset.

Guaranteed Asset Protection (GAP)

RVs can depreciate in value quickly—sometimes quicker than you can pay off the loan. This could leave you on the hook financially if your new RV is totaled or stolen and not recovered. Ensure you are covered by signing up for GAP.

Our MEMBER'S CHOICE® Guaranteed Asset Protection (GAP) Plus coverage includes $1,000 towards your down payment on a replacement RV when financed by PCU within 60 days after your primary insurance company issues a settlement check.

Be sure to ask about GAP when you apply for your PCU RV Loan to learn how this coverage can protect you and your family.

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Our Budgeting Tips and Tricks: Quick Solutions to Start Saving Today guide provides everything you need to build your perfect budget and start saving money today.

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What our members are saying:

“As a Providence caregiver, I’m so proud to use the PCU services. Clearly the best credit union around – bar none. Well done to you all."

Brad H. Member SINCE 2012

“This was my third loan with PFCU and each time, it was quick, efficient and all the loan officers were diligent! They worked with me to make my time constraints and are always professional.”

Lotis C. Member SINCE 2018

“The process to create my account was quick and smooth. The option to receive my direct deposit two days early is amazing! Thank you!”

Armando Z. Member Since 2023

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Frequently Asked Questions About RV Loans

How long is an RV loan term?

Get a loan term up to 7 years (84 months) for fixed RV loans with PCU. With flexible financing terms, buyers can also consider making extra payments or pay the loan off entirely before the term is up.

What are your RV loan interest rates?

PCU strives to provide some of the best RV loan rates around based on creditworthiness, so we can help members comfortably purchase the motorhome, camper, or travel trailer of their choice.

Scroll to the top of this page to view today’s competitive, fixed rates.

Can I prequalify for RV loans over the phone?

Yes, you can prequalify for an RV loan by contacting our Consumer Loans Team at 503.797.7561 or loans@consolidatedccu.com.

In order to prequalify, PCU may require scanned (faxed/email) copies of income verification or other required documents. Once you’re prequalified, we’ll send the closing paperwork to a PCU branch of your choosing, where you can sign the documents. If you are unable to visit a branch, the documents may be sent through DocuSign. Your loan officer will work with you to make the process as easy as possible.

How do I apply for an RV loan?

Applying for RV financing is easy. Apply online in minutes, visit a PCU branch, or contact our Consumer Loans Team at 503.797.7561 or loans@consolidatedccu.com.

What are the financing terms on RV or Camper loans?

Options include choosing a shorter financing term with a higher payment, while others may choose a longer term with lower payments.

You can also customize the financing terms for your RV by selecting something in between. Choose the longest available loan term with the lowest monthly payment and pay off a little more than the given amount each month. Doing so can lower your effective interest rate and significantly shorten the length of your RV loan term.

At PCU, financing a camper of RV is easy. We offer flexible financing options to purchase or refinance both new and used RVs and Campers.

DISCLOSURES
[3] Contact credit union for terms longer than 84 months. Advertised APR = Annual Percentage Rate; based on creditworthiness.
[4] Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes only.

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