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Routing # 211885946

Your Next Adventure Awaits

Competitive RV, camper, and recreational vehicle financing with flexible terms up to 120 months

Family enjoying a camping trip with their RV

RV Loans & Camper Financing

Create Lasting Memories

Whether it's weekend getaways or cross-country adventures, your RV, camper, or motorhome opens up a world of possibilities for you and your family.

With competitive credit union rates and flexible terms on new and used recreational vehicle loans, we make it easier to turn your adventure dreams into reality.

Apply for an RV Loan

Why Choose Pioneer Valley Federal Credit Union for Your RV Loan

Member-focused RV financing with competitive rates and personalized service

Up to 90% Financing

Finance up to 90% of NADA retail value for both new and used recreational vehicles

Extended Terms

Flexible terms up to 120 months available for qualifying loans of $75,000 or more

Protection Options

Optional GAP coverage and debt protection available at additional cost

RV Loan Options & Terms

Fixed-rate RV financing tailored to your recreational vehicle needs

Standard Financing

  • Loan amounts from $5,000 to $74,999.99
  • Up to 90% loan-to-value ratio
  • Terms up to 84 months
  • Fixed rate for the loan term
  • Quick approval process
  • No prepayment penalties

Example: A $[XX,XXX] loan with a [10]% down payment at [X.XX]% Annual Percentage Rate (APR) for [XX] months would have [XX] monthly payments of $[XXX.XX]. Rates are fixed for the loan term.

Extended Term Financing

  • Available for loans of $75,000 or more
  • Up to 80% loan-to-value ratio
  • Terms up to 120 months
  • Fixed rate for the loan term
  • Subject to credit approval

Example: A $[XX,XXX] loan with a [20]% down payment at [X.XX]% Annual Percentage Rate (APR) for [XXX] months would have [XXX] monthly payments of $[XXX.XX]. Rates are fixed for the loan term.

$75,000+
Qualify for extended terms

What We Finance

RVs, campers, boats, and more — from weekend adventures to lifestyle vehicles

  • Motorhomes

    Class A, B, and C

  • Travel Trailers & Campers

    Towable RVs and campers

  • Boats

    New and used boats

  • Snowmobiles

    Winter recreation

  • Personal Watercraft

    Jet skis & PWCs

  • ATVs & UTVs

    All-terrain vehicles

  • More Vehicles

    Ask about others

RV Loan Questions & Answers

Common questions about financing an RV, camper, or motorhome

How do RV loans work?

An RV loan is an installment loan secured by the recreational vehicle you buy. Our RV loans have a fixed rate for the full term, so your monthly payment stays the same from the first payment to the last.

How long can you finance an RV?

For loans from $5,000 to $74,999.99, terms go up to 84 months. For loans of $75,000 or more, extended terms up to 120 months are available. A longer term lowers your monthly payment but increases the total interest you pay.

How much down payment do I need for an RV loan?

For loans under $75,000, you can finance up to 90% of the RV's NADA retail value, so plan on a down payment of at least 10%. For loans of $75,000 or more, you can finance up to 80%, so plan on at least 20% down.

What credit score do I need for an RV loan?

Your rate is based on your credit score and the term you choose, and all RV loans are subject to credit approval. Our loan specialists can talk through your options before you apply.

Can I finance a used RV or camper?

Yes. We finance both new and used RVs, motorhomes, travel trailers, and campers, as well as other recreational vehicles.

What types of recreational vehicles can I finance?

We finance Class A, B, and C motorhomes, travel trailers and other towable campers, boats, ATVs, snowmobiles, and personal watercraft such as jet skis. Ask us about other vehicle types.

What protection options are available with an RV loan?

Optional GAP coverage and debt protection are available at additional cost. Service warranties are not available on recreational vehicle loans.

Who can get an RV loan from Pioneer Valley Federal Credit Union?

Membership is open to people who live, work, worship, or attend school in Massachusetts, Connecticut, Rhode Island, New Hampshire, Vermont, or New York. All loans are subject to credit approval and membership eligibility.

Ready to Finance Your RV?

Our loan specialists are standing by to help with your RV, camper, or recreational vehicle financing

Quick Applications • Competitive Rates • Local Service