Are there application fees or closing costs for boat and RV loans?

Yes— closing costs may apply , depending on the type of loan and the services involved. At First Tech, we’re committed to transparency, so you know what to expect before you sign. Here’s a general breakdown: Minimum closing costs start around $200 Costs may increase based on value-added services , such as title searches, lien filings, or documentation support For specialty loans (e.g., vessels requiring U.S. Coast Guard documentation ), fees may be higher—typically around $800 Tip: Our loan specialists will walk you through your specific closing costs and help you understand how they fit into your overall financing plan. With competitive rates , flexible terms , and clear guidance, First Tech makes it easy to finance your next adventure—whether it’s on land or water. Helpful Resources RV Loan Overview Loan Rates

Can I get an RV loan with bad credit?

First Tech offers RV loans for a wide range of credit profiles , including those with less-than-perfect credit. We understand that every financial journey is unique, and we’re here to help you move forward. Here’s how we support you: Flexible loan options tailored to your credit situation Competitive rates based on your financial history Personalized guidance from our loan specialists to help you find the best fit Tip: Applying with a co-borrower or making a larger down payment may improve your loan terms and approval chances. Whether you're buying your first RV or upgrading to a new model, First Tech is here to help you hit the road with confidence. Helpful Resources RV Loan Overview Loan Rates

How does the closing process work for a boat or RV loan?

Closing your loan with First Tech is designed to be simple, secure, and flexible —no branch visit required. Here’s how it works: Remote closing The buyer and seller do not need to be in the same location or visit a First Tech branch. All documents can be signed and submitted electronically. Document review Once we receive completed paperwork from both parties, we begin processing the loan. Funds disbursement If the boat or RV is currently financed, we’ll send funds directly to the lienholder to pay off the existing loan. If there’s no lien, we’ll issue a check to the seller , typically within 1–2 business days after receiving all required documentation. Tip: To avoid delays, make sure all paperwork is complete and submitted promptly. Our loan specialists are here to guide you through every step. With competitive rates , flexible terms , and a streamlined closing process, First Tech makes it easy to finance your next adventure. Helpful Resources RV Loan Overview Loan Rates

What information do I need to apply for an RV loan?

Applying for an RV loan is simple—and we’re here to guide you every step of the way. To get started, you’ll need: Basic personal details – Name, address, contact info, and employment information. RV details – Information about the RV you’re buying or refinancing, including make, model, year, and VIN. Income verification – Documents like recent pay stubs or tax returns may be requested. Sales contract – If you're purchasing, a copy of the signed sales agreement helps us move things forward quickly. Our goal is to make the process smooth, transparent, and tailored to your needs—so you can hit the road with confidence and reach your dreams. Helpful Resources RV Loan Overview Loan Rates

What is the oldest RV you can finance?

We’re here to help you hit the road—whether you're buying new or exploring a well-loved RV. At First Tech, we finance RVs that are: Up to 10 model years old With fewer than 100,000 miles Rate adjustments for used RVs: 2–5 model years old: Add 0.50% to the advertised new RV loan rate. 6–10 model years old: Add 1.00% to the advertised new RV loan rate. Our flexible terms and competitive rates are designed to help you find the right fit—so you can focus on the journey ahead. Helpful Resources RV Loan Overview Loan Rates

How do I get an RV loan?

Getting an RV loan with First Tech is fast, easy, and built around your adventure. You can apply: Online – Complete your application in just minutes at firsttechfed.com/apply By phone – Call us at 855.855.8805 to speak with a loan specialist. In person – Visit any First Tech branch for personalized support. Before you apply, it helps to: Know how much you want to borrow Explore loan options that fit your budget and lifestyle Gather key documents like income verification and RV details Our flexible terms and competitive rates are designed to help you finance your dream RV—so you can focus on where you’re headed next. Helpful Resources RV Loan Overview Loan Rates

RV Loans

Q: Can I finance the sales tax on my boat or RV purchase?

Yes— First Tech includes sales tax in the total amount financed for your boat or RV loan. This means you can roll the tax into your loan, helping you manage upfront costs more easily. Tip: Including sales tax in your financing can help preserve your cash flow while still covering all necessary expenses. With competitive rates , flexible terms , and personalized support, First Tech makes it easy to finance your next adventure—whether it’s on land or water. Helpful Resources RV Loan Overview Loan Rates

Q: How long is my loan approval valid?

Your loan approval and rate are locked in for 30 days from the date of approval. That means you have a full month to finalize your loan with confidence—knowing your rate won’t change during that time. Whether you're financing a car, covering personal expenses, or investing in your education, our flexible terms and competitive rates are designed to help you move forward with ease and reach your goals. Need more time or have questions? We're here to help. Connect with us anytime through Online Banking, visit a branch, or call us at 855.855.8805. Helpful Resources Explore Loan Options Loan Calculator

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

As low as 7.29% Annual Percentage Rate (APR)7.29% RV Loan example: $41,085 borrowed at 10.14% Annual Percentage Rate (APR) for 84 months = $16.67 per month per $1,000 borrowed.

Apply Now

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 days Deferring 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 RV Loan example: $41,085 borrowed at 10.14% Annual Percentage Rate (APR) for 84 months = $16.67 per month per $1,000 borrowed.
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

Vehicle loans.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.

RV Loans

As low as 7.29% Annual Percentage Rate (APR)7.29% RV Loan example: $41,085 borrowed at 10.14% Annual Percentage Rate (APR) for 84 months = $16.67 per month per $1,000 borrowed.

For new or used RVs up to 10 model years old with fewer than 100,000 miles.

Apply Now

RV Loans are not available in Puerto Rico.

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

Yes—closing costs may apply, depending on the type of loan and the services involved. At First Tech, we’re committed to transparency, so you know what to expect before you sign.

Here’s a general breakdown:

Minimum closing costs start around $200
Costs may increase based on value-added services, such as title searches, lien filings, or documentation support
For specialty loans (e.g., vessels requiring U.S. Coast Guard documentation), fees may be higher—typically around $800

Tip: Our loan specialists will walk you through your specific closing costs and help you understand how they fit into your overall financing plan.

With competitive rates, flexible terms, and clear guidance, First Tech makes it easy to finance your next adventure—whether it’s on land or water.

Helpful Resources

Yes—First Tech includes sales tax in the total amount financed for your boat or RV loan. This means you can roll the tax into your loan, helping you manage upfront costs more easily.

Tip: Including sales tax in your financing can help preserve your cash flow while still covering all necessary expenses.

With competitive rates, flexible terms, and personalized support, First Tech makes it easy to finance your next adventure—whether it’s on land or water.

Helpful Resources

First Tech offers RV loans for a wide range of credit profiles, including those with less-than-perfect credit. We understand that every financial journey is unique, and we’re here to help you move forward.

Here’s how we support you:

Flexible loan options tailored to your credit situation
Competitive rates based on your financial history
Personalized guidance from our loan specialists to help you find the best fit

Tip: Applying with a co-borrower or making a larger down payment may improve your loan terms and approval chances.

Whether you're buying your first RV or upgrading to a new model, First Tech is here to help you hit the road with confidence.

Helpful Resources

Closing your loan with First Tech is designed to be simple, secure, and flexible—no branch visit required.

Here’s how it works:

Remote closing
The buyer and seller do not need to be in the same location or visit a First Tech branch. All documents can be signed and submitted electronically.
Document review
Once we receive completed paperwork from both parties, we begin processing the loan.
Funds disbursement

If the boat or RV is currently financed, we’ll send funds directly to the lienholder to pay off the existing loan.
If there’s no lien, we’ll issue a check to the seller, typically within 1–2 business days after receiving all required documentation.

Tip: To avoid delays, make sure all paperwork is complete and submitted promptly. Our loan specialists are here to guide you through every step.

With competitive rates, flexible terms, and a streamlined closing process, First Tech makes it easy to finance your next adventure.

Helpful Resources

Your loan approval and rate are locked in for 30 days from the date of approval. That means you have a full month to finalize your loan with confidence—knowing your rate won’t change during that time.

Whether you're financing a car, covering personal expenses, or investing in your education, our flexible terms and competitive rates are designed to help you move forward with ease and reach your goals.

Need more time or have questions? We're here to help. Connect with us anytime through Online Banking, visit a branch, or call us at 855.855.8805.

Helpful Resources

We know timing matters—especially when you're planning something big. That’s why most loan decisions are made instantly or within one business day, depending on the loan amount and your credit profile.

Whether you're applying for a personal, auto, or student loan, we work quickly to help you move forward with confidence. Our streamlined process, flexible terms, and competitive rates are designed to support your goals and help you reach your dreams—without the wait.

Helpful Resources

Applying for an RV loan is simple—and we’re here to guide you every step of the way.

To get started, you’ll need:

Basic personal details – Name, address, contact info, and employment information.
RV details – Information about the RV you’re buying or refinancing, including make, model, year, and VIN.
Income verification – Documents like recent pay stubs or tax returns may be requested.
Sales contract – If you're purchasing, a copy of the signed sales agreement helps us move things forward quickly.

Our goal is to make the process smooth, transparent, and tailored to your needs—so you can hit the road with confidence and reach your dreams.

Helpful Resources

We offer flexible financing to help you enjoy life on the water or the open road—on your terms.

The maximum loan term for a boat or RV is 180 months (15 years). This extended term option can help lower your monthly payments and make your dream purchase more affordable.

Whether you're buying new, refinancing, or upgrading, our competitive rates and personalized support are designed to help you get there with confidence.

Helpful Resources

We’re here to help you hit the road—whether you're buying new or exploring a well-loved RV.

At First Tech, we finance RVs that are:

Up to 10 model years old
With fewer than 100,000 miles

Rate adjustments for used RVs:

2–5 model years old: Add 0.50% to the advertised new RV loan rate.
6–10 model years old: Add 1.00% to the advertised new RV loan rate.

Our flexible terms and competitive rates are designed to help you find the right fit—so you can focus on the journey ahead.

Helpful Resources

Getting an RV loan with First Tech is fast, easy, and built around your adventure.

You can apply:

Online – Complete your application in just minutes at firsttechfed.com/apply
By phone – Call us at 855.855.8805 to speak with a loan specialist.
In person – Visit any First Tech branch for personalized support.

Before you apply, it helps to: