Recreational Vehicle (RV) Loans
Get ready for your next Montana adventure.
There’s So Much To See in Big Sky Country
Hit the road and explore in a recreational vehicle.
We Make It Easy for You To Hit the Road
Competitive Rates
Competitive loan rates for ATVs, RVs, motorcycles, boats, personal watercrafts, and more!
Customized Terms
Flexible terms and payment options that make sense to you and your plans.
Easy Application
Quick application process, so you don’t have to wait to begin your adventure.
If you’re already a Montana CU member, please log in to your digital banking account to apply online!
RV Loan Rates
See all rates.
|
Year |
Term |
Fixed Rate (APR) as low as* |
|---|---|---|
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*APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $20,000 loan: $345.81 at 7.49% APR with a 72 month term; $236.52 at 7.99% APR with a 120 month term; and $210.84 at 9.99% APR with a 180 month term. Our APR may differ based on your loan amount, repayment method, and other factors. |
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|
Year 2022 & newer |
Term Up to 72 months (OAC) |
Fixed Rate (APR) as low as* 7.49% |
|
Year 2022 & newer |
Term 73-120 months (OAC) |
Fixed Rate (APR) as low as* 7.99% |
|
Year 2022 & newer |
Term 121-180 months (OAC) |
Fixed Rate (APR) as low as* 9.99% |
|
Year |
Term |
Fixed Rate (APR) as low as* |
|---|---|---|
|
*APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $20,000 loan: $345.81 at 7.49% APR with a 72 month term; $236.52 at 7.99% APR with a 120 month term; and $210.84 at 9.99% APR with a 180 month term. Our APR may differ based on your loan amount, repayment method, and other factors. |
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Year 2015 to 2021 |
Term Up to 72 months (OAC) |
Fixed Rate (APR) as low as* 7.74% |
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Year 2015 to 2021 |
Term 73-120 months (OAC) |
Fixed Rate (APR) as low as* 7.99% |
|
Year 2015 to 2021 |
Term 121-156 months (OAC) |
Fixed Rate (APR) as low as* 9.99% |
|
Year 2014 and older |
Term Up to 72 months (OAC) |
Fixed Rate (APR) as low as* 8.49% |
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Year 2014 and older |
Term 73-120 months (OAC) |
Fixed Rate (APR) as low as* 8.99% |
|
Year 2014 and older |
Term 121-144 months (OAC) |
Fixed Rate (APR) as low as* 10.49% |
|
Type |
Term |
Fixed Rate (APR) As Low As* |
|---|---|---|
|
*Rates apply to utility and side-by-side ATV’s, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective May 1, 2025. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.56 at 5.49% APR with a 48 month term; $192.78 at 5.99% APR with a 60 month term; and $170.49 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. **Mileage Limitations: motorcycles under 10,000 miles; ATVs under 200 hours; snowmobiles under 3,000 miles. |
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|
Type 2022 and newer (mileage limitations)** |
Term Up to 48 months |
Fixed Rate (APR) As Low As* 5.49% |
|
Type 2022 and newer (mileage limitations)** |
Term 49-60 months |
Fixed Rate (APR) As Low As* 5.99% |
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Type 2022 and newer (mileage limitations)** |
Term 61-72 months |
Fixed Rate (APR) As Low As* 6.99% |
|
Type 2015 to 2021 (mileage limitations)*** |
Term Up to 48 months |
Fixed Rate (APR) As Low As* 6.49% |
|
Type 2015 to 2021 (mileage limitations)*** |
Term 49-60 months |
Fixed Rate (APR) As Low As* 6.74% |
|
Type 2015 to 2021 (mileage limitations)*** |
Term 61-72 months |
Fixed Rate (APR) As Low As* 7.74% |
|
Type 2014 or older or high mileage |
Term Up to 60 months |
Fixed Rate (APR) As Low As* 8.49% |
|
Type (flat-bed, horse, car carrier, toy hauler and utility) |
Term |
Fixed Rate (APR) As Low As* |
|---|---|---|
|
*Rates apply to flat-bed, horse, car carrier, toy hauler and utility trailers (no living quarters). APR is defined as Annual Percentage Rate. Rates effective June 15, 2023. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $3,000 loan: $135.70 at 7.99% APR with a 24 month term; $73.25 at 7.99% APR with a 48 month term; and $53.34 at 8.49% with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. |
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Type (flat-bed, horse, car carrier, toy hauler and utility) 2021 and newer |
Term Up to 24 months |
Fixed Rate (APR) As Low As* 7.99% |
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Type (flat-bed, horse, car carrier, toy hauler and utility) 2021 and newer |
Term 25-48 months |
Fixed Rate (APR) As Low As* 7.99% |
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Type (flat-bed, horse, car carrier, toy hauler and utility) 2021 and newer |
Term 49-72 months |
Fixed Rate (APR) As Low As* 8.49% |
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Type (flat-bed, horse, car carrier, toy hauler and utility) 2020 and older |
Term Up to 48 months |
Fixed Rate (APR) As Low As* 8.49% |
|
Type |
Term |
Fixed Rate (APR) As Low As* |
|---|---|---|
|
*Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective May 1, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.02 at 7.49% APR with a 24 month term; $120.90 at 7.49% APR with a 48 month term; and $87.67 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. |
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|
Type 2022 and newer |
Term Up to 24 months |
Fixed Rate (APR) As Low As* 7.49% |
|
Type 2022 and newer |
Term 25-48 months |
Fixed Rate (APR) As Low As* 7.49% |
|
Type 2022 and newer |
Term 49-72 months |
Fixed Rate (APR) As Low As* 7.99% |
|
Type 2021 and older |
Term Up to 48 months |
Fixed Rate (APR) As Low As* 7.99% |
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When Life Happens, We Are Here To Make Sure Your Finances Are Protected
We offer affordable plans to protect your loans, credit history, and financial health in case of loss of life, disability, or involuntary unemployment.
