RV Loans

Own the open road
It’s your Advantage

Explore Someplace New

Ready to go off-grid? Or how about camping with the family? Our RV loans offer something for everyone with low rates and affordable monthly payments to get you on the road sooner rather than later.

Make Your Road Trip Dreams Come True

Spend time on the road with family or friends when you purchase an RV with 1st Advantage.

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Affordable Options

Low rates for new and used RVs, with affordable low monthly payments.

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No Fees

Skip the fees and apply for free. Plus, we’ll never charge you to pay your loan off early.

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Loan Protection

We provide loan coverage and warranties so you’re always covered in case of an accident or repairs.

Get Moving with Great Rates

RV Loan Rates



*APR = Annual Percentage Rate. Other terms available. Current APR as of 6/17/2024. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with auto pay setup & .25% discount on B+ and higher credit scores with 80% LTV.
Regardless of available discounts, 7.99% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. All Recreational Vehicle loans require a minimum 20% cash down payment.


Up to 48 months




Up to 60 months




Up to 66 months




Up to 75 months




Up to 84 months




Up to 96 months



Ready To Crunch Some Numbers?

Enter the amount you wish to borrow and preferred loan term to determine your estimated monthly payment and interest rate.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.

Get Answers to Your Questions

You can make a secure online loan payment with any debit card or bank account through our Online Banking system. You can set up a Payroll deduction or call 800-359-7650 or 757-877-2444 for Pay by Phone services. You can visit any of our 13 full-service branches or one of the 5,000 Co-Op Shared Branch locations throughout the Hampton Roads area. And finally, you can mail a check to 1st Advantage: P.O. Box 2116, Newport News, VA 23609.

Yes! Our Skip A Payment* program makes it easy to find extra cash  for whatever you choose! With our convenient online form, you can request to defer one of your monthly loan payments when you need to, from wherever you are.


  • You must have made 11 consecutive months worth of payments on the loan for program eligibility.
  •  All credit union accounts must be in good standing.
  • A $30 fee will be deducted from your savings or checking account per loan, per occurrence. If the funds are unavailable, the request will be unable to process.

Click here for the Skip A Payment Application.

Click here for the Skip A Payment with Co-Borrower Application.

*Fixed term Signature, Secured, and Vehicle loans qualify for Skip A Payment program. Credit Card, Signature Lines of Credit, Mortgage, Business, Payday, and Freedom Loans are not eligible for program. Charges and other restrictions may apply. Loan must be open for at least 11 months and member must be current on loan and all credit union accounts to qualify. If you have skipped a payment on a loan in the last 9 months, that loan does not qualify for this promotion. There is a $30 application fee per loan, per occurrence. All requests to defer a payment must be approved. Interest will continue to accrue during the deferral period. This will extend the original term and increase the amount of finance charges. If there is a Co-Borrower/Guarantor on the loan, all parties must sign to be eligible for this program.

Not finding what you’re looking for? See all our FAQs or Contact Us.

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