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Old 06-17-2016, 09:32 PM   #1
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RV loan rates

What is a good rate and terms for an RV?

I realize this is dependent on credit score, etc. I just want to get some ballpark rates and terms.

Thanks!
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Old 06-18-2016, 03:48 AM   #2
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3.9 with good credit, though I have heard of people getting even better than that.
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Old 06-18-2016, 05:55 AM   #3
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Here is my CU info
New or Used Recreational Vehicles
Under $20,000
as low as 4.75 % up to 72 months
$20,000 to $49,999
as low as 4.95 % up to 144 months
$50,000 and over
as low as 5.25 % up to 180 months
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Old 06-18-2016, 06:23 AM   #4
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For long term larger amounts, Good Sam is probably as good as anybody. 4.49 for 240 months, lower for shorter terms, a bit higher for smaller amounts. Many offer "teaser" rates for short terms and large down payment loans that few can get or want. Read the fine print and contact lender prior to submitting application as to closing or processing or inspection fees to avoid 'hard" hits on your credit you may not want.
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Old 06-18-2016, 08:56 AM   #5
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For todays current rates you can check here: Good Sam loans

As you can see, there are different rates for "recreational" vs fulltimer. The latter is basically, you no longer own or rent a home.

These are a bit higher than when I locked in my loan about 2 months ago and are constantly changing.

FYI, these are actually Essex/Bank of the West rates. They'll tell you they are underwritten by Essex but Essex is simply a fully owned subsidiary of Bank of the West. Bank of the West declined our loan because the RV is our full time residence yet our payments, on the loan placed through Good Sam/Essex, are made to Bank of the West. Go figure.
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Old 06-19-2016, 10:22 PM   #6
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We just landed at 3.99% with a 15 year for a 2011 RV with Essex. 10% down. Keep in mind the rules regarding the age of the coach and the loan amount.
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