Family sitting in camping chairs outside at an RV park.

RV Loans

Ready for your next adventure in Arizona? Whether you're looking for a motorhome, travel trailer, or fifth wheel, our RV Loans with competitive rates and flexible terms help make ownership more affordable. Apply for an RV Loan today and start planning your next getaway.¹

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RV Loan Benefits

Ready to explore Arizona and beyond? Our RV Loans can help turn your travel plans into reality. Benefits include:

Competitive Rates

With some of the lowest rates in AZ, you may lower your monthly payment and reduce the total amount of interest you pay.

Flexible Terms

Choose the repayment option that best fits your budget and financial goals with flexible terms ranging from 12 to 84 months.

Finance New & Used RVs

Used RVs may qualify for financing based on age, mileage and condition.

Fast & Simple Online Application

Apply whenever it's convenient for you, without needing to visit a branch.

Fifth-wheel RV parked at a wooded campsite.

RV Loan Rates

We believe in transparent lending. While rates, terms and conditions are subject to change, this table provides a general overview of our lowest available RV Loan rates by credit tier.

See below for more info on how to read this chart and for definitions of key terms.

RV Loan Rates by Credit Score

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	7.50%	7.80%	8.50%	9.50%
2021 & Newer	≤90%	7.85%	8.15%	8.85%	9.85%
2021 & Newer	≤110%	8.10%	8.40%	9.10%	10.10%
2015 - 2020	≤70%	8.75%	9.05%	9.75%	10.75%
2015 - 2020	≤90%	9.10%	9.40%	10.10%	11.10%
2015 - 2020	≤110%	9.35%	9.65%	10.35%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	7.90%	8.20%	8.90%	10.40%
2021 & Newer	≤90%	8.25%	8.55%	9.25%	10.75%
2021 & Newer	≤110%	8.50%	8.80%	9.50%	11.00%
2015 - 2020	≤70%	9.15%	9.45%	10.15%	11.65%
2015 - 2020	≤90%	9.50%	9.80%	10.50%	12.00%
2015 - 2020	≤110%	9.75%	10.05%	10.75%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	8.50%	8.80%	9.50%	11.25%
2021 & Newer	≤90%	8.85%	9.15%	9.85%	11.60%
2021 & Newer	≤110%	9.10%	9.40%	10.10%	11.85%
2015 - 2020	≤70%	9.75%	10.05%	10.75%	12.50%
2015 - 2020	≤90%	10.10%	10.40%	11.10%	12.85%
2015 - 2020	≤110%	10.35%	10.65%	11.35%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term	84* Month Term	120* Month Term
2021 & Newer	≤70%	9.50%	9.90%	10.80%	12.80%
2021 & Newer	≤90%	9.85%	10.25%	11.15%	13.15%
2021 & Newer	≤110%	10.35%	10.75%	11.65%	13.65%
2015 - 2020	≤70%	10.75%	11.15%	12.05%	14.05%
2015 - 2020	≤90%	11.10%	11.50%	12.40%	14.40%
2015 - 2020	≤110%	11.60%	12.00%	12.90%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term	72* Month Term
2021 & Newer	≤70%	11.00%	11.60%
2021 & Newer	≤90%	11.40%	11.95%
2015 - 2020	≤70%	12.25%	12.85%
2015 - 2020	≤90%	12.65%	13.20%

Rates are effective as of August 24, 2026

Age	LTV	60 Month Term
2021 & Newer	≤70%	18.25%
2021 & Newer	≤90%	19.00%
2015 - 2020	≤70%	19.50%
2015 - 2020	≤90%	20.25%

Rates are effective as of August 24, 2026

More Info:

⚖️LTV is your Loan-to-Value Ratio, which compares the amount you're borrowing to the value of the collateral. The lower the better!

📅 Loan Term is the length of time you'll repay the loan, usually expressed in months.

📈Credit Score is a number between 300 and 850 that reflects your ability to repay a loan. Find out more about credit scores' five key factors, or log into online banking to check your current score.

🛣️ *For a 72-month term, the amount financed must equal or exceed $15,000. For an 84-month term, the amount financed must equal or exceed $25,000. For a 120-month term, the amount financed must equal or exceed $50,000.

Why Finance An RV With Copper State CU?

Whether you're planning weekend camping trips or extended road trips in Arizona, our affordable and flexible RV Loans can help you enjoy the outdoor lifestyle. Features include:

Competitive rates amongst the lowest in AZ
Flexible terms up to 84 months
Zero to no fees
Finance new and used RVs

You may also qualify for these exclusive offers:

Financing with 1% cash back²
Make no payments for 60 days³

A woman looking out of an RV window in a rocky desert.

RV Loan Calculator

Wondering how much an RV loan could cost? Use our RV Loan calculator to estimate your monthly payment and total interest. Then email the results to yourself for easy reference while you shop.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Answers To Some Frequently Asked Questions

Who is the best for RV loans?: Credit unions, like Copper State CU, typically offer the best rates on RV loans. As not-for-profit financial institutions, credit unions pass on any profits they earn to their members through lower loan rates and fees. Credit unions also provide more personalized support for a smoother borrowing experience.

Is it better to finance an RV or pay cash?: It depends on your financial situation. Paying cash eliminates interest charges, but it can significantly reduce your savings. Financing allows you to spread the cost over time while keeping more cash for other needs.

How much is a monthly payment on a $100,000 RV?: The monthly payment on a $100,000 RV loan depends on the loan term, interest rate, and down payment. For example, if you have a $100,000 RV loan with a 7% interest rate and an 84-month term, your estimated monthly payment would be about $1,509.

What types of RVs can be financed?: Many different types of RVs are eligible for financing, including motorhomes, travel trailers, fifth wheels, pop-up campers, truck campers and teardrop campers.

Can I finance a used RV?: Yes. Many used RVs qualify for financing. Eligibility depends on the RV's age, condition, mileage and value.

What credit score do I need for an RV loan?: A minimum score of 650 is preferred for a credit union RV loan. However, your credit score is just one of the factors that will be considered. Your income, employment history and monthly debt payments will also be reviewed.

Is RV insurance required to qualify for an RV loan?: Yes. You will need to provide proof of insurance before closing on your RV loan. Because the RV serves as collateral for the loan, insurance protects both you and your lender if the vehicle is damaged, stolen, or involved in an accident.

Can I pay off my RV loan early?: Yes. You can make extra payments or pay off your RV loan early without penalty to save on interest.

Can I use a personal loan to buy an RV?: You’ll likely get a better rate with an RV loan from a credit union. That’s because loans for RVs are designed for a specific loan purpose, and they are secured by the RV you are buying. Personal loans typically have higher rates because they are not secured with collateral.

Disclosure

¹All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Membership is required. APR = Annual Percentage Rate. For a 72-month term, the amount financed must equal or exceed $15,000. For an 84-month term, the amount financed must equal or exceed $25,000. For a 120=month term, the amount financed must equal or exceed $50,000. Refinanced RV loans must be from another financial institution. Rates listed are the lowest and highest annual percentage rates available. Actual APRs and term depend on credit history, type of product and our underwriting standards. For each loan request, Copper State CU will determine the LTV (Loan to Value) using MSRP for new vehicles and Kelley Blue Book retail for used vehicles.

²The 1% cash back promotional incentive applies to vehicle purchases or refinances. The minimum financed by Copper State Credit Union must be greater than or equal to $15,000 to qualify for the promotional incentive. Any earned promotional incentive will be reported to the IRS for tax purposes and will be deposited into the member’s primary share account. Promotion ends December 31, 2026. Restrictions may apply. Offer subject to change without notice.

³60 Day No Payments offer subject to change without notice.