Used RV Loans

Smart financing for pre-owned RVs that helps you go further for less.

A used RV loan from CACL Financial makes it easier to enjoy the outdoors without paying new-model prices. Whether you're purchasing a camper, motorhome, or another recreational vehicle, our financing options are built around value and flexibility.

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    Practical Financing for Pre-Owned RVs

    Terms That Fit Your Budget

    Select a repayment timeline that works for you.

    Buy From a Dealer or Private Seller

    Finance confidently, no matter where you find the right vehicle.

    Borrow Up to 125% of Value

    Roll eligible extras, such as warranties or upgrades, into your used recreational vehicle loan.

     

     Low Rates on Used RV Loans 

    Type

    APR1 AS LOW AS

    Used RV Loan

    As low as 6.79%

     

     1APR = Annual Percentage Rate. 

    Used RV Loan Details

    Choosing used doesn’t mean settling—it means being thoughtful with your budget. Our pre-owned RV financing helps you get into a reliable recreational vehicle while keeping overall costs manageable.

    We finance campers, motorhomes, travel trailers, fifth wheels, boats, snowmobiles, and off-road vehicles.

    With a CACL used RV loan, you’ll have access to:

    • Rates designed for affordability
    • Flexible repayment options based on your financial situation
    • Local lending decisions made right here in Schuylkill County
    • Personal service with no application fees

    Apply Now

    See Rates
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    How to Apply for a CACL Used RV Loan

    1. Apply

      Submit your application online or in person at our Loan Department.

    2. Application Review

      We’ll walk through your options and answer any questions.

    3. Application Decision

      Sign your documents and get ready to enjoy your new-to-you recreational vehicle.

    ★★★★★
    “Thank you for the excellent service you provided during my recent auto loan process.”
    ★★★★★
    “I would highly recommend CACL Federal for all your banking and financial needs.”
    ★★★★★
    “Having been a life-long customer of CACL Federal, I can only say the services continue to exceed expectations.”

    Used RV Loan FAQ

     Yes, in many cases. Refinancing a used RV loan may help you secure a lower rate, adjust your term, or simplify existing payments. Our team can review your current loan and walk you through your options. 
     Rates for used RVs can be slightly higher than those for new ones, largely due to vehicle age. Your exact rate will depend on factors such as your credit, loan term, and the RV itself. 
     Loan amounts are based on the vehicle value, your credit profile, and loan structure. Financing up to 125% may be available to help cover additional costs, such as taxes or warranties. 
    Not always. Some borrowers may qualify for little to no down payment, depending on their credit and the loan structure. Our lending team can review your options and help determine what works best for you.
     Loan terms for used RVs are flexible and can extend over longer repayment periods to help align with your budget. The exact term depends on the RV’s age, loan amount, and other underwriting factors. Our team will help you choose the best option.  

    Find the Right RV—Without Overpaying

    Let’s Get Started.