Recreational Loans
Are you looking to buy a recreational vehicle, but feel stressed by the prospect of taking out a loan? Oahe Federal Credit Union offers pre-approved loans that provide peace of mind when shopping. And that’s not all—we also offer up to 90 days with no payments and up to 15 years with great rates!
Whether you’re just getting started looking or already have something in mind, let us help make it happen. Get pre-approved and start shopping without stress or hassle. With the Oahe Federal Credit Union, you can rest assured you’re getting a great rate and quality service.
So why wait? Visit Oahe Federal Credit Union today to learn more about our pre-approved RV loans. Enjoy up to 90 days with no payments and rates up to 15 years—the perfect way to start off your recreational adventure with ease and comfort!
Apply
For verification of income please include your most recent 2 paycheck stubs or your most recent W2 with your credit application. There is also a $30.00 loan processing fee at the time of each loan advance request.
Rate Match
Did you or can you get a lower rate at another financial institution? No problem! We can MATCH their rate! Floor rate does apply and only available on collateralized loans. Help keep it local!
Recreational Vehicle Loans
APR = Annual Percentage Rate
2023- 2021 NEW & NEARLY NEW
| Beacon Score: # of Years |
760+ Tier 1 APR |
759-720 Tier 2 APR |
719-680 Tier 3 APR |
679-640 Tier 4 APR |
639-600 Tier 5 APR |
599 > Tier 6 APR |
|---|---|---|---|---|---|---|
| 2 yr | <6.00% | 6.25% | 7.00% | 7.55% | 9.%70 | 12.70% |
| 3 yr | 6.05% | 6.30% | 7.05% | 8.30% | 9.8%0 | 12.80% |
| 4 yr | 6.10% | 6.35% | 7.10% | 8.35% | 9.90% | 12.90% |
| 5 yr | <6.20% | 6.45% | 7.15% | 8.45% | 10.00% | 13.00% |
| 5 1/2 year | 6.25% | 6.70% | 7.20% | 8.60% | 10.10% | 13.10% |
| 6 yr | 6.25% | 6.70% | 7.20% | 8.70% | 10.20% | 13.20% |
| 6 1/2 yr | 6.65% | 6.90% | 7.40% | 8.80% | 10.30% | 13.30% |
| 7 yr (25,000.00- over) | 7.00% | 7.05% | 8.75% | 9.70% | 11.30% | 14.30% |
2020-2018
| Beacon Score: # of Years |
760+ Tier 1 APR |
759 – 720 Tier 2 APR |
719 – 680 Tier 3 APR |
679 – 640 Tier 4 APR |
639 – 600 Tier 5 APR |
599 > Tier 6 APR |
|---|---|---|---|---|---|---|
| 2 yr | 6.60% | 6.85% | 7.60% | 8.85% | 10.45% | 13.45% |
| 3 yr | 6.70% | 6.95% | 7.70% | 8.95% | 10.55% | 13.55% |
| 4 yr | 6.75% | 7.00% | 7.75% | 9.05% | 10.65% | 13.65% |
| 5 yr | 6.80% | 7.05% | 7.80% | 9.25% | 10.75% | 13.75% |
| 5 1/2 yr | <7.00% | 7.25% | 8.00% | 9.35% | 10.85% | 13.85% |
| 6 yr | 7.10% | 7.35% | 8.10% | 9.45% | 10.95% | 13.95% |
| 6 1/2 yr (2020 only) | 7.50% | 7.75% | 8.50% | 9.95% | 11.05% | 14.05% |
2017- 2016
| Beacon Score: # of Years |
760+ Tier 1 APR |
759 – 720 Tier 2 APR |
719 – 680 Tier 3 APR |
679 – 640 Tier 4 APR |
639 – 600 Tier 5 APR |
599 > Tier 6 APR |
|---|---|---|---|---|---|---|
| 2 yr | 7.10% | 7.35% | 8.10% | 9.35% | 11.40% | 14.40% |
| 3 yr | 7.25% | 7.50% | 8.25% | 9.50% | 11.4%5 | 14.45% |
| 4 yr | 7.30% | 7.55% | 8.30% | 9.55% | 11.50% | 14.50% |
| 5 yr | 7.40% | 7.65% | 8.40% | 9.65% | 11.75% | 14.75% |
| 5 1/2 yr | 7.90% | 8.25% | 8.90% | 10.15% | 11.85% | 14.85% |
2015 & OLDER
4 yr| Beacon Score: # of Years |
760+ Tier 1 APR |
759 – 720 Tier 2 APR |
719 – 680 Tier 3 APR |
679 – 640 Tier 4 APR |
639 – 600 Tier 5 APR |
599 > Tier 6 APR |
|---|---|---|---|---|---|---|
| 4 yr | 7.75% | 8.00% | 8.55% | 10.55% | 13.55% | 16.55% |
| 5 yr | 7.80% | 8.05% | 8.60% | 10.60% | 13.60% | 16.60% |
**Rates above include a ½% discount for payroll deduction or automatic payment from an active share draft (checking) account with us.
Rates above apply on applicants borrowing 115%, not to exceed 115% of sticker price or 115% of NADA Book Value. GAP insurance will be required for any loans over 100% and are subject to approval.
If you had a bankruptcy that shows up on your credit file you will be charged a 1% higher rate than shown above depending on your credit score unless you re-affirmed your prior debt with us.
Rates are subject to change.
*Did you or can you get a lower rate at another financial