RV Loans
Get rates as low as 6.74% APR with an RV loan today so you can start living your most adventurous life tomorrow.¹
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Low, Fixed Rates in Texas
Get the APR you deserve so more of your payment goes towards your loan principal.
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Range of Loan Terms
Choose from terms of 36 to 180 months and find the ideal payment for your budget.
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Experts in Your Corner
Our team of financial experts are dedicated to providing personalized guidance throughout your loan journey.
Details About Our RV Loans
| Best For | People who want to buy a new or used RV and enjoy low rates and flexible terms. |
| Amount | Minimum of $10,000 and up to 100% of MSRP |
| Interest Rate |
As low as 6.74% APR for new and used RVs.¹
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| Terms | 36 to 180 months |
¹Floor Rates: Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Lowest advertised rate dependent on excellent credit and reflects the maximum 0.75% rate discount. 4.34% APR is based on a car loan for a current year to two years old car with less than 36,000 miles and completing all discounts. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include having an established direct deposit totaling $500 or more with a checking account (0.30%), setting up automatic payments (Auto Pay) (0.15%), using an "MVP" check (dealer purchased and not a private sale or refinancing) (0.15%), and where the loan amount is less than 90% of the vehicle's value (0.15%). Rates subject to change prior to loan funding. Rates may change after funding should applicant not meet the discount criteria within 60 days. Equal Opportunity Lender.
Refer a Friend, Earn $200 Cash
Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200.²
Boat, Auto, & Motorcycle Loans
Find out what Texas has to offer with vehicle loans and competitively low rates, we can finance your new & used auto, motorcycles, boats & jet skis, and more.
Get $1,000 towards your next car purchase in the event of a total loss.
In the event of a total loss, GAP pays the difference between what you owe on the car and your insurance company’s declared value.
Members who enrolled in GAP protection experienced the benefits when they needed it most, saving an average of $5,895 in 2024.† Ask your Loan Officer or request more information. Protection pays off!
²Referral: Member is paid $200 for auto loan referral after the referred loan has been funded. Auto loans must be a minimum of $15,000. Offer excludes existing loans financed through Neighborhood Credit Union and cannot be combined with any other new member referral offers. Offer subject to change without notice. Additional restrictions may apply.
† †Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.
Why choose Neighborhood Credit Union for your RV loan in Texas
Did you know Neighborhood Credit Union is the first credit union in Dallas, TX? We now have several branches around the DFW Metroplex and we're happy to provide RV loans so you can live your life however you like.
As a not-for-profit credit union, we can pass our revenue on to you through great rates and fewer fees.
Plus, Neighborhood Credit Union is a full-service digital financial institution, offering free online banking accounts so you can easily manage your auto loan through Online Banking or the MyNCU Mobile App on iOS or Android.
See our simple credit union RV loan application process:
STEP 1
Apply Online
Enter your personal information and financial details into our user-friendly online portal.
STEP 2
Receive an Offer
We'll review your application and, if approved, agree on a rate, term, and loan amount.
STEP 3
Find Your RV
Start shopping with your financing ready to go then we'll give you the funds to complete your purchase.
| Loan Terms | Interest Rate¹ |
|---|---|
| New Auto Purchase | |
| 54 months or less | As low as 4.34% APR |
| 72 months | As low as 4.59% APR |
| Used Auto Purchase | |
| 54 months or less | As low as 4.59% APR |
| 72 months | As low as 4.89% APR |
| Auto Loan Refinancing | |
| 54 months or less | As low as 4.89% APR |
| 72 months | As low as 5.14% APR |
| Other Vehicle Loans or Refinance (RV & Boat) | |
| 72 months or less | As low as 6.74% APR |
| 95 months | As low as 6.99% APR |
| Other Vehicle Loans or Refinance (ATVs & Motorcycle) | |
| 54 months or less | As low as 5.99% APR |
| 72 months | As low as 6.99% APR |
FAQs about RV Loans in Dallas, TX
You can use your RV loan to buy a new or used recreational vehicle, motor home, or travel trailer.
The annual percentage rate (APR) we offer you will depend on your credit score, debt-to-income (DTI) ratio, and also the loan term you choose.
- Higher scores get lower rates.
- Shorter terms get lower rates.
The term you choose has a big impact on your payment so the answer depends on your goals.
- Shorter terms mean a lower APR but a higher monthly payment, so you're debt-free faster.
- Longer terms mean a higher APR but a lower monthly payment, so your loan is easily affordable.
There are no penalties or fees if you pay your loan off early! Just make sure you include any unpaid fees and costs, unpaid interest, and your remaining principal in the final total so you're all clear.