Recreational Vehicle Loans for Your Adventures

Affordable financing for boats, RVs, campers, and other recreational vehicles with competitive rates and flexible terms designed to get you on the road or water faster.

Found the perfect ski boat or dream desert toy? Don't finance through the dealer—save money with a recreational vehicle loan from Escondido Federal Credit Union! We offer competitive rates based on your credit-worthiness and can beat typical dealer financing. Our dedicated team works closely with you to understand your unique needs, ensuring you receive personalized solutions that align with your long-term financial goals.

Apply Now Loan Rates

Lower Rates Than Dealers

We can beat dealer financing rates, saving you thousands over the life of your loan with both fixed and variable rate options based on your credit-worthiness.

Pre-Approval Advantage

Get pre-approved before you shop so you can negotiate with confidence, avoid dealership financing hassles, and focus on finding the perfect recreational vehicle.

Flexible Terms & Options

Choose from various loan terms from 12 to 84 months* and finance up to 110% of the purchase price.

Member-Focused Service

Experience the credit union difference with personalized service from a financial institution dedicated to your best interests, not profit margins.

We Finance a Variety of Recreational Vehicles

Boats

Fishing boats, ski boats, pontoons, and other watercraft for your aquatic adventures

RVs & Campers

Motorhomes, travel trailers, fifth wheels, and pop-up campers for your road trips

Other Recreation

ATVs, motorcycles, jet skis, and other toys for outdoor excitement

New car keys

RV Loan Calculator

%

Estimated Monthly Payment

$398.23

Total Loan Amount

$20,000

Total Interest

$3,893.79

Ready to Apply?

Get pre-approved in minutes and shop with confidence.

Apply Online Call Us: (760) 839-4606

Frequently Asked Questions

We finance a wide variety of recreational vehicles including boats, RVs, motorhomes, travel trailers, fifth wheels, campers, ATVs, motorcycles, jet skis, and other motorized recreational equipment. Both new and used vehicles can qualify for our competitive rates.

Loan terms vary based on the loan amount and type of recreational vehicle. We offer terms up to 72 months for loans of $15,000 or more, and up to 84 months for qualified borrowers with loans of $30,000 or more. Our flexible terms allow you to balance affordable monthly payments with overall interest costs.

Getting pre-approved gives you several advantages: you'll know exactly how much you can afford, you'll have stronger negotiating power with dealers, you can avoid the high-pressure financing tactics at dealerships, and you can focus on finding the right recreational vehicle rather than worrying about financing. Plus, our pre-approval process is quick and easy!

Escondido Federal Credit Union serves employees and volunteers of the City of Escondido. To join, visit our branch with identification, proof of eligibility, and a minimum deposit to open your savings account. Once you're a member, you can apply for any of our loan products, including recreational vehicle loans.