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RV Loans
Hit the open road and explore the country with an RV loan. We offer quick approval and great rates to finance your dream motorhome.
Benefits of Our RV Loans
Make an RV Loan Work for You
An RV loan from Legacy Credit Union can help make your dream a reality. We work closely with our members to ensure you get the best financing for your needs. Terms up to 84 months for loans (some restrictions apply)

- No application or processing fees
- Pre-approvals for negotiating power (know what you can spend before you shop)
- Low-cost Debt Protection and GAP coverage
- Low-cost Mechanical Breakdown Protection (Extended Warranty)
- Complete your financing on-site at participating dealerships

Speak with our lending team today to get started on the road to RV ownership.
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RV Loan Rates
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What Our Members Have to Say.
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“Great credit union. Excellent customer service and rates are very competitive. Very friendly staff, highly recommend.”
Krisstophy M. – Birmingham, Alabama
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RV Loans FAQs
What credit score should I have?

The minimum score for a Legacy Credit Union RV loan is 650.

Do I need a down payment?

You don’t need a down payment. However, depending on your credit history and loan amount, it may be beneficial to make a down payment. Call one of our friendly representatives for more info.

How long are repayment terms?

Our most common repayment terms go from 48 to 84 months. However, we’ll consider terms of up to 120 months if your RV loan is greater than $50,000. Remember that longer terms mean lower payments but higher interest costs over the loan period.

If you’re planning to buy an older model, our team will consider your RV loan term on a case-by-case basis, depending on the model year and other factors.

What is the maximum amount I can borrow?

We base loan amounts on many factors including the value of the RV, your income, credit history, and more. Speak to us to determine the amount you may qualify for.

What types of RVs can I finance with an RV loan?

We finance new and used motorhomes, travel trailers, fifth wheels, toy haulers, pop-up campers, and more. If a dealer calls it an RV, we can most likely help finance it.

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*The interest rate, annual percentage rate (APR), origination fees, discount points and closing costs are subject to change without notice. ***Your APR will vary based on your final loan amount, credit history, loan to value, margin, and finance charges.

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