Recreational Vehicle (RV) Loans

Happy family emerging from RV

For those big kid toys…

Looking to own a recreational vehicle? Well, you’ve come to the right place because we have great rates on loans for your family’s “fun” vehicles, such as RVs, fifth-wheel and fold-down campers, ATVs, boats, personal watercraft, and off-road cycles.


Great reasons to own an RV or camper

Iowa and its neighboring states are full of beautiful campgrounds to vacation in! With an RV, you can spend time out and about, exploring places, encountering new people, and drinking in new experiences. (Get ready to mark stuff off that bucket list!) Plus, traveling in an RV can be more affordable than other vacation options, since you save money by not purchasing flights, hotel rooms, and expensive meals at restaurants.


Getting started on your outdoor adventures

It all sounds great, right? So, first things first. Do a little research to see which kind of RV will work best for you, and then apply for an RV loan! We can prequalify you for a loan amount, so you’ll know exactly how much you can afford, whether you decide to purchase from a dealer or a private owner. (If you’d like to do a little number crunching on your own, check out our loan calculator.)

We also have great relationships with many RV dealers in Eastern Iowa, so if you’ve already found your dream RV, let the dealer know you’d like your loan from Linn Area Credit Union.

Apply for a Loan Today

Loan Type
APR* As Low As
Term
New ATV, Snowmobile, Off-Road Cycle or Misc. Equipment
4.50%
Up to 60 Months
Used ATV, Snowmobile, Off-Road Cycle or Misc. Equipment
5.50%
Up to 60 Months
New and Late Model Used UTV (2018 and newer)
4.20%
Up to 60 Months
3.95%
Up to 66 Months
4.05%
Up to 72 Months
UTV (2013 – 2017 models)
4.45%
Up to 60 Months
4.55%
Up to 66 Months
UTV (2012 and older models)
5.35%
Up to 48 Months
Boat/RV/Fold Down Camper
3.99%
Up to 36 Months
(terms available up to 180 Months)

Note: Any loan amount less than $5,000 would have a maximum term of 48 months.

*Annual Percentage Rate (APR) based on credit, equity, term and account relationships. Rates effective as of June 3, 2020.

Loan rates listed above show the best rate and apply to those with an excellent credit rating. Your rate may vary based on personal credit history and additional discounts provided to members based on their account relationships. All rates subject to change without notice. Credit union membership is required to obtain Linn Area products. $5 minimum deposit required.

New ATV, Snowmobile, Off-Road Cycle or Misc. Equipment Example: For a $15,000 loan for a term of 60 months with a 4.50% APR, the monthly payment will be $279.65 which assumes $0 down payment and does not include any estimate for taxes, insurance, or fees; therefore, the actual payment obligation will be greater.

New UTV Example: For a $15,000 loan for a term of 66 months with a 3.95% APR, the monthly payment will be $253.23 which assumes $0 down payment and does not include any estimate for taxes, insurance, or fees; therefore, the actual payment obligation will be greater.

Boat/RV/Fold-Down Camper Example: For a $10,000 loan for a term of 36 months with a 3.99% APR, the monthly payment will be $295.20 which assumes $0 down payment and does not include any estimate for taxes, insurance, or fees; therefore, the actual payment obligation will be greater.

Put your home's equity to work for you. Equity is the difference between the appraised value of your home and what you owe on your mortgage. Your home’s equity can be made available to borrow against. A home equity line…
Linn Area Credit Union members Don and Tina Schminkey are enjoying two new motorcycles after they won a 2017 Harley-Davidson Road Glide in the 2017 Motor Madness raffle. When Don and Tina bought a new Suzuki Can-Am Side by Side…