Looking to refinance?
With TDECU, you can easily refinance your RV loan3 from another financial institution to decrease your monthly payment amount or adjust your loan term. With rates as low as 7.25% APR1, why wait?
Adventure awaits. Are you ready?
If you are ready to get behind the wheel and see the rest of the country, purchasing a recreational vehicle (RV) will get you there. You can escape for a weekend or a month, all on your schedule, without giving up the comforts of home.
With affordable financing from TDECU for new and used RVs, now is the time to make your dream a reality. Our RV loans come with flexible terms, including:
- Rates as low as 7.25% APR, which includes a discount for recurring direct deposit of $250 or more1
- No payments due for 90 days2
- No money down option available
- Terms up to 144 months
- No hidden fees, costs, or early-payoff penalties
Apply today and start planning for your next great adventure!
Payments for 90 Days2
Money Down Option
Finance your new or used RV with TDECU one of the following ways:
Get pre-approved for your loan
Complete your application online, in person, or over the phone to receive your pre-approval before you begin shopping for your RV.
Finance at the dealership
You can finance your RV with TDECU directly from one of the hundreds of dealerships we serve. When you find the RV you want, simply tell the dealer you want your loan through TDECU.
Here’s the documentation you need to get started
For all RV loans
We will need:
- Your employment, monthly income, and housing information
- Requested loan amount (should include the purchase price, taxes, title, license, and warranties, minus your down payment)
- Requested loan term
If you plan to trade in your current RV
We will need:
- Current loan information (if applicable)
- Registration and license information
Already found your new RV or planning to refinance with TDECU?
We will also need:
- Vehicle Identification Number (VIN)
- Exact mileage
- Name of the dealership or seller (if purchasing a RV)
How can being pre-qualified help me when shopping for an RV?
When you are pre-approved or have pre-qualification for a RV loan, you can focus on negotiating the best price when visiting the dealership. This allows you to shop with confidence, knowing you won't end up with high-rate financing.
Can I be approved for an RV loan and have funds available the same day?
In many cases, you may be approved and receive your funds the same day. Our team will answer any of your questions and help expedite the RV loan application and approval process.
How can I check the status of my RV loan application?
You can check the status of your application through our Application Status Center.
Can I make additional payments and pay off my loan earlier than the original loan term?
Yes. At TDECU, there are no prepayment penalties for paying off your loan earlier than your original term. In fact, it is a great way to save on interest over the long run!
Can I refinance my current RV loan with TDECU?
1 APR = Annual Percentage Rate. Advertised rate includes a 0.25% discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account. Rate received is determined by loan term and credit score. Terms of repayment: A $30,000 loan with a 72-month term at 7.25% APR equals a $515.10 monthly payment.
2 Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 110% and a minimum credit score of 660 is required to qualify for the deferred payment option.
3 Existing TDECU loans are ineligible for refinancing.
4 Insurance products are not deposits, not NCUA insured, and not guaranteed by TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union (TDECU).
Credit approval required. Minimum loan amount for boats, RVs, and leisure vehicles is $5,000. Collateral must be for personal use only. Other terms/conditions apply; contact TDECU for details.