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Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

Recreational Vehicle (RV) Loans

Hit the wide-open road with financing that fits.

Ready to turn dream road trips and weekend getaways into reality? With Listerhill Credit Union RV loans, adventure is within reach. Whether you're shopping for an RV, Motor Home, Travel Trailer, or 5th Wheel, our competitive rates, flexible terms, and personalized member service make the journey to ownership as smooth as the memories you’ll create.

Our RV loans offer these competitive features:

  • Financing for new and used vehicles
  • Low interest rates
  • No application fees — ever
  • Finance up to 100% of the vehicle’s cost
  • Enjoy a range of repayment terms to fit your budget
  • Easy application process and payment options

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

View Rates
Recreational Vehicle (RV) Loans

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

BROADEN YOUR HORIZONS WITH OUR AFFORDABLE RV LOANS
Great Rates
It pays to belong. Listerhill members qualify for some of the best rates around.
Easy Preapproval
Get preapproved for your RV, motorhome, or trailer loan online in just a few easy steps.
Zero Application Fees
Discover your personalized rate and term options without any application costs.
Borrow Up To 100%
You can finance your entire vehicle purchase with no down payment required.
Flexible Terms
Choose a term that fits your budget with RV loan terms of up to 180 months.
Easy Payment Options

Make payments through Online or Mobile Banking, automatic payments, or at your local branch.

Ready to Go Places? We’ll Help You Get There With a Better RV Loan

Looking to finance an RV to seek out adventure with your loved ones? Listerhill Credit Union should be your first stop.

As a member-owned, not-for-profit cooperative, we’re able to offer better rates and more flexible terms than other lenders. We’re committed to helping you make smart money decisions that suit both your budget and your long-term financial goals. 

Here's what makes Listerhill RV financing different:

  • Competitive Rates: As a credit union, we work for our members, not outside shareholders, meaning better rates, lower fees, and more personalized service.
  • Easy Pre-Approval Process: Get pre-approved online before shopping so you know exactly what you can afford.
  • Streamlined Application: Enjoy a hassle-free online application process you can complete at your convenience, and quick loan decisions.
  • No down payment: Borrow the money you need for your RV purchase with up to 100% financing for qualified applicants.
  • Flexible Insurance Options: Access affordable RV insurance solutions through our trusted partner, TruStage Insurance, to protect your new ride.

Ready to roll with financing that goes the extra mile? Click below to get started.

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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Listerhill Credit Union RV Loan Rates

Recreational Loans

New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 9.49% 84 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.49% 72 Months
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 8.24% 60 Months
New Motorcycle or ATV/UTV as low as 8.99% 72 Months
New Motorcycle or ATV/UTV as low as 8.24% 60 Months
Used Motorcycles or ATV/UTV as low as 8.74% 60 Months
New Motor Homes as low as 9.24% 180 Months
New Motor Homes as low as 8.74% 120 Months
New Motor Homes as low as 8.25% 84 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.74% 180 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 9.24% 120 Months
Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 8.25% 84 Months
Used Travel Trailer or 5th Wheel as low as 9.74% 180 Months
Used Travel Trailer or 5th Wheel as low as 9.24% 120 Months
Used Travel Trailer or 5th Wheel as low as 8.74% 84 Months
Used Travel Trailer or 5th Wheel as low as 8.25% 72 Months
New Boat as low as 9.49% 180 Months
New Boat as low as 9.24% 144 Months
New Boat as low as 8.99% 120 Months
New Boat as low as 8.04% 84 Months
New Boat as low as 7.74% 72 Months
Used Boat as low as 10.49% 180 Months
Used Boat as low as 10.24% 144 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 9.99% 120 Months
Used Boat as low as 8.74% 72 Months
Used Boat as low as 7.74% 60 Months
New Waverunner or Personal Watercraft as low as 8.54% 84 Months
New Waverunner or Personal Watercraft as low as 8.24% 72 Months
Used Waverunner as low as 9.50% 72 Months
Effective 5/1/2026

All rates and terms are subject to change without notice. Additional terms may be available. See a member advocate for more details.

Apply for Your RV Loan in 3 Easy Steps

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

★★★★★

“Excellent team, always available to help and assist you with any banking needs.”

— John P., Spring Hill, TN

 

RV Loan FAQs

  • What does Annual Percentage Rate (APR) mean?

    The Annual Percentage Rate (APR) shows the true yearly cost of a loan. It includes both the interest rate and any required fees, giving you a more complete view of what you’ll pay over time. 

    When you compare loan offers, APR helps you see which option fits your budget. It accounts for all borrowing costs, so you’re not judging a loan based on the interest rate alone.

  • What credit score do you need to get an RV loan?

    There is no one-size-fits-all number to qualify for an RV loan. We’ll review your whole financial picture and credit history when considering your application. Even if your credit is less than perfect, we may still be able to help.

  • What is a typical RV loan term?

    Typical RV loan terms range from 10 to 15 years, depending on the lender, the borrower, the size of the loan, and the type of RV. At Listerhill Credit Union, we offer RV loan terms up to 15 years for qualifying borrowers.

  • What is a good RV loan rate?

    The interest rate on your RV loan depends on several factors, including your credit profile, current debt, and income. The type of RV also matters, such as its size and whether it is new or used. Loan terms play a role as well, with longer repayment periods typically carrying higher rates. Market conditions can affect available rates too. Borrowers with excellent credit usually qualify for the lowest rates.

    Review the table above to see Listerhill’s current RV loan rates. You can also use our RV loan payment calculator to find the rate and loan terms that best fit your budget.

  • Are RV loans hard to get?

    RV loans can be harder to qualify for than car loans. This is because RVs are considered luxury purchases rather than necessities, and loan amounts can also be significantly higher than those for other vehicles, with financing terms that are longer. Approval depends on your credit history, current income, existing debt, and the price of the RV.

  • What kind of loan should I get for a camper?

    While it’s possible to use cash from a personal loan or home equity loan, for the best rates and longest terms, it’s preferable to go with an RV loan for campers and travel trailers — especially if your vehicle is new. As with an auto or home loan, the financed property (your camper) serves as collateral for the loan.

Additional Products
Accident Prevention
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance
Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Whats It Worth
What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

Calculators
How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

Participating Dealerships
Vehicle and loan on the spot.

When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.

Additional Questions?

Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

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Frequently Asked Questions

  • Do I have to be a Listerhill member to apply?

    You can apply as a current member or become a member during the application process if you meet eligibility and credit requirements.*

  • What does 0% APR for 12 months mean?

    It means you won't be charged interest on eligible purchases for the first 12 months after opening your new Listerhill Visa Signature® Rewards or Visa Platinum® Credit Card.*

  • How long does the 0% APR last?

    This introductory 0% APR offer applies for 12 months from account opening.*

  • Do current Listerhill credit cardholders qualify?

    No, current Listerhill Visa Signature® Rewards and Visa Platinum® Credit Card holders are not eligible for this offer, but other promotions may be available.

  • Who qualifies for the 0% APR offer?

    This offer is available to new Listerhill Visa Signature® Rewards and Visa Platinum® Credit Card holders and is subject to credit approval.*