RV loans

Your RV trip starts with an affordable recreational vehicle loan from Oregon State Credit Union. Apply online or visit your favorite branch, your first step to out on the road in a new or used RV.

Apply online | RV loans

RV, boat and other recreational vehicle loan rates
Effective Date: Friday, June 2nd, 2023
Vehicle typeAPR (Low)*APR (High)Repayment terms
New boat or RV (2020-2021) 4.74% 15.99% Up to 72 months
New boat or RV (2020-2021) 4.99% 16.24% 73-180 months
Used boat or RV (2011-2019) 5.24% 16.74% Up to 72 months
Used boat or RV (2011-2019) 5.49% 16.99% 73-180 months
Loan rates for ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft are featured below.
New (2020-2021) 4.49% 16.99% Up to 72 months
New (2020-2021) 4.74% 17.24% 73-84 months
Used (2015-2019) 5.49% 17.74% Up to 72 months
Used (2015-2019) 5.74% 17.74% 73-84 months

*APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The loan interest rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments.

  • A $10,000 new RV or boat loan with a 72 month repayment term will have a 4.74% APR and a monthly payment of $159.85.
  • A $20,000.00 new RV or boat loan with a repayment term of 120 months will have a 4.99% APR and a monthly payment of $212.05.
  • If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement.

We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.

Learn more: helpful RV articles

Article spotlights listed here will help you get oriented to a variety of RV topics. Don't miss the quick mini-guide on the topic, "Can I deduct the interest on my RV loan?" Anyone not paying cash for an RV will probably opt for a loan to finance the cost. An important question to explore: can you deduct the interest you pay on the loans?

Apply today for your RV loan

Apply online | RV loans 

Visit an Oregon State Credit Union branch to start your RV loan.


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