Enjoy the ride and the adventure
Get out and go on your next adventure with an RV, Trailer or Motorhome. Purchase a new or used vehicle from a dealer or private party or refinance to save one you may already own.
Whether you’re setting up camp for the weekend or planning a cross-country trip, we make it easy for you to finance your new home away from home.
With low rates, simple terms and affordable payment options, you’ll be on your way and ready to hit the road in no time.
Key Features
Competitive rates
With low, fixed payments
Flexible terms
Up to 180 months
No pre-payment penalties
Pay off your loan early if you need to
Purchase or refinance options
Buy from a licensed dealer, private party, or save on an existing loan
Budget-friendly payments
Fast and easy payment methods, plus rewards for on-time payments2
Insurance and payment protection
Cover your RV in the event of mechanical breakdowns, financial loss and more — get your quote today
New RV and Trailer Rates
Rates Effective 3/14/2023| Term | Minimum Amount | Range for APR1 |
|---|---|---|
| up to 60 months | $5,000 | 6.25% to 17.25% |
| 61 to 72 months | $15,000 | 6.75% to 17.25% |
| 73 to 84 months | $25,000 | 6.75% to 17.25% |
| 85 to 120 months | $25,000 | 7.25% to 17.25% |
| 121 to 180 months | $50,000 | 7.75% to 17.25% |
Used RV and Trailer Rates
Rates Effective 3/14/2023| Term | Minimum Amount | Range for APR1 |
|---|---|---|
| up to 60 months | $5,000 | 6.75% to 18.25% |
| 61 to 72 months | $15,000 | 7.25% to 18.25% |
| 73 to 84 months | $25,000 | 7.25% to 18.25% |
| 85 to 120 months | $25,000 | 7.75% to 18.25% |
| 121 to 180 months | $50,000 | 8.25% to 18.25% |
Frequently Asked Questions
1 APR (Annual Percentage Rate). RV and trailers as low as 6.25% APR effective 3/14/2023. Loan rates are subject to change without notice and subject to credit approval. Patelco offers a range of rates that depend on factors such as credit history, loan term, mileage, Patelco account and loan balances. Additional .50% added to rate for mileage over 100k (with a maximum mileage at 125k). Maximum of 20 years combined based on vehicle model year + loan term. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 18.25% APR. To learn more about rates, terms and available discounts, call 800.358.8228, visit patelco.org or visit any Patelco branch. Loan payment example: 60 months: $19.51 per month per $1000 borrowed at 6.25% APR; 72 months: $16.98 per month per $1000 borrowed at 6.75% APR; 84 months: $15.02 per month per $1000 borrowed at 6.75% APR; 120 months: $11.78 per month per $1000 borrowed at 7.25% APR;180 months: $9.45 per month per 1000 borrowed at 7.75% APR.
2 LevelUp is offered to members who are approved for the following loans at Patelco's credit tier 2 or higher: auto, motorcycle, RV, boat, and personal loans, excluding all lines of credit. Total discount of up to 1.50% APR (Annual Percentage Rate) applied in 0.50% APR increments for every 12 consecutive on-time monthly payments. Maximum discount will never cause the final APR to be lower than the LevelUp floor rate for the specific loan and term at time of funding. Monthly payment amount remains constant, with additional money going toward principal, which shortens the term of the loan and the total amount paid over the life of the loan.