New and Used RVs
Financing your next RV purchase with Eglin FCU is quick and easy. Whether you're interested in a new or used recreational vehicle, we offer low rates & flexible terms to meet your needs.
apply for an RV loan
Refinancing
Paying too much on your current RV loan? Refinancing through Eglin FCU may be a good choice for you. Apply online & start lowering your monthly payments today.
refinance your RV
Prior year models and newer are considered new RVs. On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees. Rates given are current as of Friday, June 19, 2026 and are subject to change. When you're ready to apply for a Recreational Vehicle Loan, click one of the links below to apply online or visit a branch during business hours.
New Recreational Vehicle Loan Rates & Terms
New Recreational Vehicle Loans up to $10,000 are available for loan terms of 60 months for rates as low as 6.75% APR (Annual Percentage Rate). New Recreational Vehicle Loansfrom $10,001 to $25,000 are available for loan terms of 120 months for rates as low as 7.75% APR (Annual Percentage Rate). New Recreational Vehicle Loans from $25,001 to $50,000 are available for loan terms of 144 months for rates as low as 8.00% APR (Annual Percentage Rate). New Recreational Vehicle Loans over $50,000 are available for loan terms of 180 months for rates as low as 8.00% APR (Annual Percentage Rate).
| Loan value | Loan term | APR*(as low as) |
| Up to $10,000 | 60 Months | 6.75% |
| Over $10,000 | 120 Months | 7.75% |
| Over $25,000 | 144 Months | 8.00% |
| Over $50,000 | 180 Months | 8.00% |
- Prior year models and newer are considered new RVs.
- On models that have never been titled, we finance 95% of the purchase price, including sales tax, title and tag fees.
- We do not finance dealer fees or options that are not permanently installed.
- A minimum down payment of 5% is required.
Used Recreational Vehicles (2-7 Years Old) Rates & Terms
Used Recreational Vehicle Loans up to $10,000 are available for loan terms of 60 months for rates as low as 7.75% APR (Annual Percentage Rate). Used Recreational Vehicle Loans from $10,001 to $25,000 are available for loan terms of 120 months for rates as low as 8.75% APR (Annual Percentage Rate). Used Recreational Vehicle Loans from $25,001 to $50,000 are available for loan terms of 144 months for rates as low as 9.00% APR (Annual Percentage Rate). Used Recreational Vehicle Loans over $50,000 are available for loan terms of 180 months for rates as low as 9.00% APR (Annual Percentage Rate).
| Loan Value | Loan Term | APR*(as low as) |
| Up to $10,000 | 60 Months | 7.75% |
| Over $10,000 | 120 Months | 8.75% |
| Over $25,000 | 144 Months | 9.00% |
| Over $50,000 | 180 Months | 9.00% |
- We will finance 90% of the purchase price not to exceed 85% of J.D. Power Used Retail Value.
- The purchase price includes permanently installed options, tax, tag, and title fees.
- We do not finance dealer fees or options that are not permanently installed.
- A minimum down payment of 10% is required.
Questions? Call 850.862.0111, Option 2 or email Consumer Loans via secure email.
Rates given are current as of Friday, June 19, 2026 and are subject to change.
* APR = Annual Percentage Rate. There is a range of rates for each loan type. The rate received will be determined by an evaluation of the applicant's credit.
Insurance RequirementsRV Loan Payment Calculator
Sample Repayment: For a $50000 RV Loan over a term of 60 months at an APR of 6.75%, the approximate monthly payments would be $982.
Financing your next RV purchase with Eglin FCU is quick and easy. Whether you're interested in a new or used recreational vehicle, we offer low rates & flexible terms to meet your needs.
Paying too much on your current RV loan? Refinancing through Eglin FCU may be a good choice for you. Apply online & start lowering your monthly payments today.
Eglin FCU Debt Protection
Cancel or waive your loan payment(s) up to the contract maximums if a protected event such as disability, loss of life, or involuntary unemployment occurs.
Research the latest new vehicle prices and used vehicle book values.
When you receive a collateral loan from Eglin FCU you'll need to agree to maintain adequate insurance coverage.
Frequently Asked Questions
To apply for a Recreational Vehicle Loan, either visit a branch during business hours or apply online.
How do I apply for a Recreational Vehicle Loan?
To apply for a Recreational Vehicle Loan, either visit a branch during business hours or apply online by clicking the "apply for an RV loan" link on our RV Loan page.
How do I make payments to my Recreational Vehicle Loan?
You have several convenient options for making loan payments. You can easily make a loan payment by transferring funds from your Eglin FCU Checking or Savings account through our Online Banking service or Mobile App. You can also use the External Transfers feature within Online Banking or the Mobile App to make a payment to your loan from your checking or savings account at another financial institution. If you prefer, you can request to make a loan payment at one of our Video Teller machines during business hours, or you can visit any of our local branches to make a loan payment in person. You also have the option of sending your loan payment by mail to Eglin Federal Credit Union, 838 Eglin Parkway NE, Fort Walton Beach, FL 32547. If you need more information on loan payment options, please call us at 850.862.0111, Option 2, or stop by one of our branch locations during business hours.
