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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."

Roy H.
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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

    Skip payments

    Skipping a payment with us won't ruin your credit score. We allow you to skip a payment once per year, for up to five years, as long as you're in good standing. Ask for 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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Rates

APR* Term
7.25% APR-18.75% APR 0-84 months
7.50% APR-18.75% APR 85-120 months
7.95% APR-18.75% APR 121-144 months
8.45% 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 05-01-18.

APR* Term
7.25% APR-18.75% APR 0-84 months
7.50% APR-18.75% APR 85-120 months
7.95% APR-18.75% APR 121-144 months
8.45% 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 05-01-18.

Calculator

Loan Calculator

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

FAQs

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.
You have the opportunity to skip a payment once every 12 months, up to a maximum of five times over the life of your loan. Your eligibility is based on you keeping your loan current and in good standing (e.g. you have a responsible repayment history). You can choose which month you would like to skip by contacting us before the due date. The payment is deferred until the end of the term.
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.

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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

    GAP (Guaranteed Auto Protection) helps cover you if your property is stolen or totaled. Most insurance will only cover the value of these in such instances, but you might owe more on your loan. GAP gives you peace of mind by covering the rest and "closing the gap." You can add GAP to your Arsenal loan at any time.

  • Recreational Vehicle Insurance

    Why go straight to a big, expensive company when you can get great discounts through us? We offer exclusive discounts on RV insurance through the credit union, for both new and used vehicles.

  • Credit Life/Credit Disability Insurance

    If something happens to you during the course of your loan, these insurance options are a welcome relief. Credit disability insurance can help make your loan payment (up to the policy maximum) on your vehicle if you become totally disabled due to a covered injury or illness. Credit life insurance will help you do the same should an unexpected life event occur.

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Credit Life/Credit Disability: Coverage starts on the enrollment date and can be cancelled at any time. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, 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 Group Policy for a full explanation of the terms.