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Motorhome, Campervan, Travel Trailer Loans

"I love doing business with Arsenal CU. They make you feel special. Thank you for being there for us."

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Epic road trips

Imagine vacations without the hassle of luggage bags, waits in airports, checking in at hotels and renting a car. Enjoy the great outdoors and see everything the country has to offer – it’s way more affordable than you think.

Why choose Arsenal?

If you’re making a big purchase, you want the right partner by your side. In addition to offering the same low rates on new and used models, here’s what else sets us apart.

  1. 1

    Pick your term

    Flexibility is everything. With terms up to 180 months available, your loan payments will be more budget-friendly. Minimum loan amounts apply to various terms offered.

  2. 2

    Bundle up

    You can bundle your title, tax and license costs right into the terms of your loan. We also offer exclusive discounts on insurance.

  3. 3

    Room for your budget to breathe

    We know some months can be difficult. With our unique skip-a-pay program, you can postpone your payment once every 12 months, up to five times total, with no penalties. More details.

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Applying is easy. Come into one of our branches, get on-the-spot Arsenal financing at many dealerships, or complete an online application right here.

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APR* Term
5.25% APR-18.75% APR 0-84 months
6.25% APR-18.75% APR 85-120 months
7.25% APR-18.75% APR 121-144 months
7.25% APR-18.75% APR 145-180 months

New Motorhomes, Campervans, Travel Trailers and Campers - Up to 115% of MSRP financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 3-1-2020.

APR* Term
5.25% APR-18.75% APR 0-84 months
6.25% APR-18.75% APR 85-120 months
7.25% APR-18.75% APR 121-144 months
7.25% APR-18.75% APR 145-180 months

Used Motorhomes, Campervans, Travel Trailers and Campers - Up to 115% of NADA used wholesale value financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 3-1-2020.


Loan Calculator

Format: 12m, 36m, 3y, 7y


You can apply for and get an Arsenal Credit Union loan at many dealerships throughout Missouri and Illinois. Be sure to insist on ACU financing when you are at these dealerships to get our low rates. This list does not indicate an endorsement for these manufacturers, dealers or services.
The only place to get a truly free credit report is AnnualCreditReport.com. You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.
Fifth wheel RV owners pay an average of $800 to $925 per year for insurance. However, a more luxurious vehicle with a medium duty truck can cost up to $1,300 to insure.
Our annual car insurance premium averages $1,500 a year, while RV insurance averages $550 annually for a motorhome and $250 for a nonmotorized trailer. Variables that go into determining RV insurance include your driving record and age.
Towable RVs include fifth wheels, pop-ups, and travel trailers. For instance, if your camper somehow comes unhitched from your truck and damages some property, your auto insurance liability will cover the costs. Because liability is covered under your car insurance, the state does not require insurance on towable RVs.
Everyone could use a little financial relief now and then, and we want to help you during those stressful times when your bills pile up all at once. To qualify for skip-a-pay, you must have had no payments over 30 days delinquent on your Arsenal auto loan, no unpaid charge-offs or negative balances with the credit union, and no Credit Protection Insurance (CPI) added to your loan without a full refund. To take advantage of skip-a-pay, you need to contact the credit union and complete an authorization form before your due date. Loans that are paid by automatic transfer from another financial institution or through bill payer are ineligible. Interest will continue to accrue on the unpaid balance during the month that a payment is skipped. A small processing fee applies. Skipping your payment this way will not affect your credit score.

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Add-on options

Why not handle everything in one place? Get a little more out of your recreational loan with these convenient add-ons.

  • GAP Plus

    GAP (Guaranteed Auto Protection) Plus helps cover you if your vehicle is stolen or totaled. Most insurance will only cover the value of your vehicle in such instances, but you might owe more on your loan. GAP Plus insurance gives you peace of mind by covering the rest and "closing the gap." The "Plus" part is an additional benefit of a $1,000 deduction towards your next loan when you finance with ACU within 90 days of the GAP settlement. You can add GAP Plus to your Arsenal loan at any time.

  • Motorhome, Campervan, Travel Trailer Insurance

    Arsenal members may qualify for discounts on motorhome, campervan and travel trailer insurance through the TruStage® Auto Insurance Program. TruStage offers a powerful mix of savings and popular, member-friendly benefits, including friendly, 24/7 service (even on holidays) and a mobile app for easy claims. Don’t wait to see how much you could save; visit TruStage.com.

    Offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. AHE, AHL-1661466.1

  • Help protect your family against the unexpected with Debt Protection with Life Plus

    Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. Life Plus adds protection for financially stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave and the loss of life of a non-protected dependent. It’s easy to apply for Debt Protection with Life Plus. It’s voluntary and won’t affect your loan approval. Call Arsenal Credit Union at 314.962.6363 and ask about protecting your loan today.

    Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP-2098950. 1-0418-0520 © CUNA Mutual Group 2018, All Rights Reserved.

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