RV Loans

Stop dreaming and start RVing. Your road to adventure begins with a low-rate RV loan from First Tech.

As low as 7.30% Annual Percentage Rate (APR)7.30% APR = Annual Percentage Rate. Actual rate will be determined based on the applicant’s credit history, and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval.

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Why get an RV loan from First Tech?

Borrow from $1,500 up to $300,000
New, used, refinance, up to 10 model years old
Fast online loan application
No payment for up to 90 daysDeferring your first payment (up to 90 days from the funding date of your loan) is optional and is not a condition of your loan. Deferring your loan payment may affect your APR and the total interest you pay. All other loan terms and provisions will remain the same.
Flexible terms up to 180 months
Many ways to join First Tech
DebtSafe® Optional payment protection

What kind of RV can I get?

First Tech offers financing for these types of recreational vehicles.

RV loans

Quick and easy loan approval

Online loan application
Digital document delivery
Fast loan decision

Secure, anytime, anywhere account access

Free mobile app
Free online banking

More money in your pocket

No pre-payment penalty
No application or origination fee
No annual fee

Offering more than just an RV loan.

GAP PLUS

Debt Safe

RV Insurance

The closing costs vary according to value added services provided. Minimum charges start at around $200 and increase subject to services provided.

Yes, First Tech consider sales tax in the total price of the vessel.

Securing an RV loan with bad credit is still possible. We have a full range of products to offer to all credit types. We will work with you to understand your unique situation.

The buyer and seller do not need to visit a First Tech branch or be in the same place to close the loan. Once we receive the paperwork back from both parties, we will disburse funds in 1-2 business days. If the boat is currently financed, we will direct funds to the lienholder to pay off the loan. Otherwise, the funds will be paid to the seller by check.

Approval and rate commitments are valid for 30 days.

Most loans are approved right away or within a business day, depending on the amount being financed and your overall credit and situation.

You will need to provide basic demographic and employment information. We’ll also ask for information about RV you are interested in buying or refinancing. As part of the underwriting process, our lender may ask for proof of income and a copy of the sales contract.

The maximum term we offer is 15 years or 180 months.

We can finance RVs up to 10 model years old or 100,000 miles. PLEASE NOTE: For used RV, Camper, and Travel Trailers Loan (2-5 model years) add 0.50% to the advertised New RV Loan rate. For Older Used RV Loan (6-10 model years) add 1.00% to the advertised New RV Loan rate.

You can apply for a loan online in just minutes, or by phone at 855.855.8805. First, check your credit. If everything is in order, including your debt-to-income ratio, determine how much you need to borrow and locate a loan that fits your needs.