RV & Camper Loans
Financing for RVs, motorhomes, and campers. Embark on the adventure.
Rates change. See Current Rates for today’s figures.
Financing the Weekend, Not Just the Week
Recreational vehicles are financed differently from cars. The amounts tend to be larger, the terms longer, and the vehicle itself is the collateral. Waypoint lends on motorhomes, travel trailers, and campers.
What You Should Know
RVs and Motorhomes
Drivable motorhomes and towable travel trailers.
Campers
Campers, motorhomes, fifth wheel campers, travel trailers, and toy haulers.
Longer Terms
Recreational financing usually runs longer than a car loan.
Secured by the Vehicle
The RV or camper is the collateral.
What to Have Ready
Bring proof of income and details of the RV or camper. Because these purchases vary so much, a conversation with a Waypoint Credit Union representative is worth more than a calculator here.
- Proof of income
- The year, make, model, and length or size
- A purchase agreement or survey if you have one
Current Rates
Auto Loan
As low as
5.49%APR²
Motorcycle & Powersport
As low as
7.49%APR²
RV, Boat & Camper
As low as
7.99%APR²
APR = Annual Percentage Rate. Rates effective 16 September 2026 and subject to change without notice. Your APR may differ based on credit history, collateral year, term, and loan to value. Not all applicants will qualify for the lowest rate.
Apply for a Vehicle LoanView all vehicle loan rates by model year and term
| Loan Type | Model Year | Term (Months) | APR As Low As |
|---|---|---|---|
| Auto Loan | 2025 & Newer | Up to 66 | 5.49% |
| Auto Loan | 2022 to 2024 | Up to 66 | 5.74% |
| Auto Loan | 2019 to 2021 | Up to 66 | 6.24% |
| Auto Loan | 2015 to 2018 | Up to 66 | 7.24% |
| Auto Loan | 2011 to 2014 | Up to 66 | 8.24% |
| Motorcycle & Powersport | 2025 & Newer | Up to 66 | 7.49% |
| Motorcycle & Powersport | 2022 to 2024 | Up to 66 | 7.74% |
| Motorcycle & Powersport | 2019 to 2021 | Up to 66 | 8.24% |
| Motorcycle & Powersport | 2015 to 2018 | Up to 66 | 9.24% |
| Motorcycle & Powersport | 2011 to 2014 | Up to 66 | 10.24% |
| RV & Camper | 2025 & Newer | Up to 72 | 7.99% |
| RV & Camper | 2022 to 2024 | Up to 72 | 8.24% |
| RV & Camper | 2019 to 2021 | Up to 72 | 8.74% |
| RV & Camper | 2015 to 2018 | Up to 72 | 9.74% |
| RV & Camper | 2011 to 2014 | Up to 72 | 10.74% |
Good to Know
What this program covers
RVs, motorhomes, and campers. Recreational vehicles only.
Contact a Waypoint representative
Local decisions. No obligation.
A short conversation before you apply tells you what you can realistically borrow and what it will cost in total. Book a time at any Waypoint branch, or start online and we will pick it up from there.
Important Disclosures
APR = Annual Percentage Rate. Rates are accurate as of 16 September 2026 and are subject to change without notice. Your APR may differ based on credit history, credit worthiness, collateral year, term of loan, loan to value, and fees that may constitute finance charges. Not all applicants will qualify for the lowest rate. Your actual APR will be included in the initial Truth in Lending disclosure.
Auto loan payment example: for a loan amount of $25,000 with an APR of 5.49% over a term of 66 months, the estimated monthly payment would be $439.71.
Motorcycle and powersport payment example: for a loan amount of $25,000 with an APR of 7.49% over a term of 66 months, the estimated monthly payment would be $463.31.
Recreational vehicle payment example: for a loan amount of $25,000 with an APR of 7.99% over a term of 72 months, the estimated monthly payment would be $438.21.