RV rates so low, they can't be real...or are they?

Nothing beats the convenience and comfort of an RV when it comes to exploring the towering evergreens and misty mountains of the Pacific Northwest. Whether you’re looking to buy new, used or refinance, Solarity's RV loan options are as flexible as your recreational needs. We make it easy to finance that motorhome, fifth wheel, toy hauler, camper or travel trailer you've had your eye on with rates so good, they can't be real...or are they?

Give us a call at 800.347.9222 or apply online today!

Legendary RV loan rates

Rates accurate as of July 05, 2024
APR as low as
84 months
Payment per $1,000

New and used RVs, 2017 or newer, under 100,000 miles

Light on paperwork. Big on service.

Buying an RV should be easier than getting it backed into a campsite. That’s why we process your loan with as little paperwork as possible. Here are a few easy steps that will get you into your new (or new-to-you) RV.

Step 1: Apply. Complete a loan application online, by phone or at your favorite dealership. You can also apply for pre-approval for an RV loan before you shop.

Step 2: Value. For new RVs, we use up to 85% of dealer MSRP as its value. For used RVs, we’ll complete the value using the NADA (National Automobile Dealers Association).

Step 3: Sign and drive. After you've been approved and found the perfect RV, sign on the dotted line at the dealership and hit the road.

Shop with confidence

Get pre-approved for an RV loan before you shop for your new camper, motorhome, fifth wheel, travel trailer or toy hauler.* This can give you leverage when you are negotiating at the dealership. Plus, it can help you avoid snap financing decisions or feeling pressured to buy "add-ons." Getting pre-approved lets you know how much you can afford and anticipate what your monthly payment will be.

You can get pre-approved in advance of shopping or you can get pre-approved onsite with one of our partner dealerships. Solarity works with RV dealerships in Washington through our Dealership Partner Program. Visit a participating dealership and ask for financing through Solarity Credit Union. With the same great rates and terms, it's easy to get financed and drive away—all in a single visit to the dealer. If you’ve been pre-approved with Solarity, simply let the dealer know and you'll be good to go.

Advantages of getting pre-approved

  • Know your price range in advance to avoid overspending
  • Understand your loan options--such as rate, term and payment--ahead of time
  • Leverage your pre-approval to negotiate as a "cash" buyer
  • Side-step financing games, tactics and last-minute "add-ons"
Solarity CU RV Loans

Get a great deal on your RV loan

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Purchase or refinance

Purchase through a dealer or let us help refinance your current loan, including cash-out options.

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New or used

Whether it's new or "new to you," we have the loan options you need to get you camping faster.

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Easy on the wallet

Competitive rates, generous terms and no loan setup or early pay-off fees

RV Trailer Loans in Washington Washington RV Loan Rates
All types of RVs

We finance motorhomes, campers, travel trailers, fifth wheels, toy haulers and more.

Common questions about RV loans

RV loans function similarly to other loans. The process starts with the borrower submitting a loan application, which is then reviewed by the lender. Loan eligibility and interest rates are primarily based on the borrower's credit, but factors like net worth, income, housing and employment are also considered.

Here are some important points to remember about RV loans:

  1. Fixed Interest Rates: RV loans typically have fixed interest rates, meaning your payments remain the same throughout the loan term, regardless of whether it spans a few years or a couple of decades.
  2. Down Payment: RV loans require a down payment, typically ranging from 10% to 20% of the total loan amount. This upfront payment reduces the loan principal.
  3. RV Inspections: Certain lenders may require RV inspections, which can cost between $200 and $1,200. These inspections assess the condition and value of the RV.
Check out this article to learn more about how RV loans work

RV loans can vary in length depending on the lender you choose and your own borrowing preferences. Generally, an RV loan term can span from 10 to 20 years. 

When determining the duration of an RV loan, it is important to consider your financial situation and budget. Longer loan terms typically translate to lower monthly payments but result in higher overall interest payments over time. Shorter loan terms, on the other hand, involve higher monthly payments but entail less interest paid in the long run.

Yes! Solarity offers Skip-a-Pay for various types of loans, including cars, trucks, boats and more. Skip-a-Pay allows members to defer making their loan payments for a specific period, providing them with some financial flexibility when needed. Click here to learn more about how this service works, or give us a call at 800.347.9222 to get started!

Yes! Solarity offers GAP for all vehicle types and MBP on auto loans to help our members protect their investments and gain peace of mind knowing their vehicle is fully covered.

Click here to learn more about what each of these insurance products offer, or call us at 800.347.9222 for a free, no-obligation quote!

Beautiful scenic highway along a river in Washington State

Hit the road with an RV loan from Solarity

You have options when it comes to financing your new RV. Work directly with the dealer or get preapproved in advance. Either way, it's as easy as apply, sign and go!

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Applying online is simple and our experts are standing by if you have any questions.

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Ready to talk to someone right now? We're ready to talk to you, too! Call 800.347.9222.

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