Motorhome, Fifth Wheel & Other RV Loans

RV loans for every kind of adventure.

Go Further. Stay Longer. Finance the RV that takes you there.

Whether you're dreaming of weekend getaways or cross-country adventures, Hughes can help you finance the RV that fits your lifestyle. We offer competitive rates, flexible terms, and financing options for new and used recreational vehicles.

Purchase an RV, refinance an existing loan, or access available equity with financing designed to help you spend more time exploring and less time worrying about your payment.

RV Loans for Motorhomes, Travel Trailers, Fifth Wheels and More

Hughes offers financing for eligible:

  • Motorhomes
  • Travel trailers
  • Fifth wheels
  • Camper trailers
  • Tent trailers
  • Other qualifying recreational vehicles

Why Choose a Hughes RV Loan?

  • Finance new or used RVs
  • Flexible repayment terms up to 180 months for qualified borrowers
  • Competitive fixed rates
  • Private party purchase financing available
  • RV loan refinancing options
  • Cash-out equity opportunities for qualified borrowers
  • Local service and personalized lending support

Flexible RV Financing Terms

Choose repayment options for up to 180 months (15 years), with monthly payments designed to fit your budget and travel goals.

Refinancing Your Existing RV Loan

Already have an RV loan? Refinancing with Hughes may help you:

  • Lower your interest rate
  • Reduce your monthly payment
  • Adjust your loan term
  • Access available equity
  • Better align your loan with your current financial goals

Hughes can refinance eligible motorhomes, fifth wheels, travel trailers, and other recreational vehicles.

Rates

As low as 6.99% APR*

Features & Benefits

Why Motorhome, Fifth Wheel & Other RV Loans ?

We make it easy.

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Flexible Terms

Up to 15 years (180 months)
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Fast Response

Once we receive your application, we’ll contact you promptly to get everything finalized.  

Easy Application Process

Easy Application Process

Apply online in minutes from wherever you are.

FAQ

Motorhome, Fifth Wheel, RV Loan Frequently Asked Questions

What types of RVs can I finance?

Hughes offers financing for eligible motorhomes, travel trailers, fifth wheels, camper trailers, tent trailers, and other qualifying recreational vehicles.

Can I finance a used RV?

Yes. Hughes offers financing for eligible new and used recreational vehicles.

Do you offer financing for a private party purchase?

Yes. Hughes offers financing for eligible RVs purchased directly from an individual seller.

Can I refinance my existing RV loan?

Yes. Refinancing may help lower your interest rate, reduce your monthly payment, adjust your repayment term, or access available equity in your RV.

Can I get cash out from my RV's equity?

Qualified borrowers may be able to access available equity through a cash-out refinance. Contact Hughes to learn more about your options.

How long can I finance an RV?

Flexible repayment terms are available for qualified borrowers for up to 180 months (15 years).

What information should I have ready before I apply?

When applying for an RV loan, you'll be asked to provide personal information such as your name, address, Social Security number, employment information, income, and email address.

If you're refinancing an existing loan, we'll also need information about the RV, including the make, model, year, mileage (if applicable), and vehicle identification number (VIN).

What are the eligibility requirements to apply?

To apply for an RV loan with Hughes, you must be eligible for membership and meet our lending requirements. Loan approval is based on factors such as credit history, income, debt-to-income ratio, loan-to-value ratio, and the type and condition of the recreational vehicle being financed.

Are there any penalty fees for paying off my loan early?

No. You are not penalized for paying off a loan early at Hughes.

Do I need to notify my insurance company when I get a loan with Hughes?

Yes. You will need to provide your insurance company with the following lienholder information: 

Hughes Federal Credit Union 
PO Box 461385
San Antonio TX 78246-1385 

Phone: 1-888-667-9103
Fax: 1-866-736-9183
Website: imcovered.com/hughesfcu

Full coverage insurance is required during the full term of loan with comprehensive and collision deductibles of $1,000 or less.



Contact An Expert

Disclosures

Effective Date: 10-01-2026

*APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Advertised “as low as” annual percentage rates assume excellent borrower credit history. Your rate and/or term may vary depending on credit qualifications, amount financed, and other factors. The lowest rate shown is for well-qualified borrowers. All loans are subject to final credit approval. Rates and terms are subject to change at any time. Please contact a Credit Union employee for further information.

Fixed APR Example: A loan of $40,000 for 144 months at 6.99% fixed APR will have a monthly payment of $411.14. 

All loans subject to approval. Certain restrictions may apply. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit score and other loan qualifications. A down payment may be required. Contact Hughes Federal Credit Union for additional information. Maximum terms vary based on credit and the amount requested. 

Hughes Federal Credit Union, 971 W. Wetmore Rd., Tucson, AZ 85705.