Hit the road with RV financing built for the Fire Family.
Firefighters earn their time off, and an RV is one of the best ways to enjoy it, whether you are exploring national parks with your family, settling into a campsite after a long drive or getting away for a few quiet days. Firefighters First makes it easy to get behind the wheel with financing for motorhomes and travel trailers, competitive rates, up to 115%* financing on approved credit and terms up to 180 months to help keep your monthly payment manageable.
Why finance with Firefighters First Credit Union?
We’re not a big bank. We’re a Credit Union built exclusively for the Fire Family. That means every product we offer, including our RV loans, is designed with your financial well-being in mind.
-
Competitive rates new and used -
Up to 115%* financing
-
Terms up to 180 months
-
Motorhomes and travel trailers
Competitive RV loan rates designed for your journey.
Explore our current RV loan rates with flexible terms up to 180 months to help keep your monthly payments manageable. Whether you are financing new or used, we offer competitive options to help you get on the road with confidence.
| Annual Percentage Rate (APR) as low as | Term (up to) |
|---|---|
| 7.49% | 84 Months |
| 7.99% | 120 Months |
| 8.99% | 180 Months |
Start your RV loan application.
Tell us a bit about your RV and what you’re looking for and our team will guide you through your financing options. It only takes a few minutes to get started and we’ll follow up to help you take the next step with confidence.
Everything you need to know about RV loans.
What types of RVs does Firefighters First Credit Union finance?
We finance motorhomes and travel trailers, new and used. If you’re unsure whether your vehicle qualifies, contact us and we’ll let you know.
Can I finance 115%* of my RV purchase?
In many cases, yes. We offer up to 115%* financing on approved credit, which means you may not need a down payment. Your eligibility will depend on your credit history, loan amount and other factors reviewed during the application process.
Why are RV loan terms longer than auto loan terms?
RVs are typically more expensive than standard vehicles, so longer terms help keep monthly payments manageable. We offer terms up to 180 months, which gives you more flexibility in how you structure your loan. Keep in mind that a longer term means more interest paid over the life of the loan. Use our calculator to compare different term options and find the right balance for your budget.
What’s the difference between getting a loan from Firefighters First Credit Union versus a dealer?
Dealership financing is often arranged through third-party lenders who may not offer the most competitive rates. When you finance through Firefighters First Credit Union, you’re borrowing directly from a credit union built exclusively for the Fire Family. That means your rate is not marked up to benefit a middleman. This may also help lower the cost of additional products like GAP. It’s worth getting pre-approved with us before you visit a dealership so you know exactly what you qualify for.
Can I refinance an existing RV loan?
Yes. If you currently have an RV loan with another lender and you’re paying a higher rate, we may be able to refinance it at a better rate. Contact us or stop by a branch to explore your options.
Do I need to be a member to apply?
You need to be a member to receive a loan from Firefighters First Credit Union. If you’re not yet a member, you can join and apply at the same time. Membership is open to firefighters and their families. Visit our Become a Member page to get started.
How long does the application process take?
The inquiry form on this page takes just a few minutes to complete. Once submitted, a member of our team will follow up with you to walk through the next steps. Decisions are typically made quickly, though the exact timeline can vary based on the complexity of your application.
APR = Annual Percentage Rate.
* Rates, terms, and conditions are subject to change. Subject to credit approval and collateral requirements.
1. Firefighter Insurance Services (#0G87848) is not insured by NCUA.
APR requires full direct deposit—to qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Can be combined with other offers. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, visit the Rates page. Rate discount applies to loans up to a term of 180 months for boats and RVs.
Representative Example: A $25,000 RV loan (Motor homes, Trailers, and Boats) (Boats greater than 28’ in length will require an “out of the water” marine survey) financed at 5.99% APR for 84 months would result in 84 payments of $366.03.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.