RV Loans and Financing

As low as 6.74% APR*

RV Loans and Financing

Whether you’re looking to buy an RV to travel the country or for camping on the weekends, Guardian Credit Union has the RV loan rates and financing to help you make your dreams a reality. Get financing for your RV and terms that meet your needs.

Get pre-approved quickly

Our lending staff can get you approved and help you get in your new RV in as little as a day.

RV Loan Rates

	APR* (as low as)	Minimum Loan Amount	Payment per $1,000
36 months	7.04%	$500	$30.91
37 to 48 months	7.14%	$5,000	$24.02
49 to 60 months	7.34%	$10,000	$19.97
61 to 72 months	7.94%	$20,000	$17.51
73 to 84 months	8.54%	$20,000	$15.87
85 to 96 months	9.44%	$20,000	$14.89
97 to 180 months	10.54%	$20,000	$11.09

*APR=Annual Percentage Rate. All loans and rates are subject to credit, underwriting guidelines and approval. Interest rates assume a LTV (Loan To Value) of less than 80% and other rates apply to LTV’s exceeding 80%. New loan to GCU required for lowest qualified rate. Refinances of existing GCU loans, the qualified rate will increase by 0.50% APR. GCU refinances not eligible for 97-180 months term. Recreational loan defined as, but not limited to; RV’S boats, ATV’s and personal watercraft.

Relationship Pricing RV Loans

	APR* (as low as)	Minimum Loan Amount	Payment per $1,000
Up to 36 months	6.74%	$500	$30.77
37 to 48 months	6.84%	$5,000	$23.88
49 to 60 months	7.04%	$10,000	$19.83
61 to 72 months	7.64%	$20,000	$17.37
73 to 84 months	8.24%	$20,000	$15.72
85 to 96 months	9.14%	$20,000	$14.73
97 to 180 months	10.24%	$20,000	$10.90

APR = Annual Percentage Rate. GCU has implemented a “Reflective Lending” system for determining the rate on your loan. Rates are determined based on credit experience and loan to value of collateral used. All loans and rates are subject to credit, underwriting guidelines and approval and are subject to change at any time. Interest rates assume an LTV of less than 80% and other rates apply to LTV’s exceeding 80%. New loan to GCU required for lowest rate. Refinances of existing Guardian Credit Union loans, the qualified rate will increase by 0.50% APR. Rates reflect Relationship Pricing Program (RPP) maximum discount. Members are eligible when they meet the qualifications for a loan rate discount. Must be eligible at the time of application to receive the discount. Qualifications are based on points earned calculated by the following criteria: years of membership, products and services used and debit card activity. Calculation for rate decrease is based on qualified reflective lending rate with a discount according to the RPP points earned as follows: 4-7 points will qualify you for a 0.10 % APR loan rate discount, 8-11 points will qualify you for a 0.20% APR rate discount and 12+ points will qualify you for 0.30% APR rate discount. All discounts are non-transferable. May not be eligible to be combined with any other offer or discount. Auto pay is required. Salvage/Branded, Indirect, Home Equity loans, Mortgages, Commercial Loans and Credit Cards are not eligible for loan rate discount. For more detail, see official terms and conditions for Relationship Pricing Program by visiting our branch locations or online at https://www.guardiancu.org/relationship-pricing-tandc

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