Utah RV Loan Rates (October 2026): Local Lenders & Tax
What Utah lenders advertise for RV loans, how Utah taxes an RV purchase, and a calculator set up with the Utah rate. Rates checked October 21, 2026.
RV loan rates from Utah lenders
Local credit unions often beat national lenders, but most require you to live or work in their area to join. These are each lender's lowest published rates for well-qualified borrowers.
| Lender | Published rate | Terms | Conditions |
|---|---|---|---|
| America First Credit Union | 7.49% (10 years), 7.74% (15 years) | Up to 20 years (10/20 balloon) | Same rate for new and used RVs. |
| Security Service FCU | 7.75% to 8.75% (2024–2025 models) | Up to 180 months | Serves Texas, Colorado and Utah. 10% down required. |
Membership and eligibility rules apply. Nationwide lenders are listed on the main RV loan rates page.
How Utah taxes an RV purchase
Utah's combined sales tax rate depends on where you live. The Tax Commission's April 2026 rate chart lists 6.35% as the lowest combined rate, 6.75% in St. George, 7.25% in Ogden, 7.45% in Provo and unincorporated Salt Lake County, and 8.45% in Salt Lake City.
The calculator starts at 7.25%; change it to your city's rate.
Utah RV loan calculator
Monthly payment
$737
for 12 years at 8% APR
- Amount financed
- $68,075
- Sales tax (7.25%)
- $5,075
- Cash due at signing
- $7,000
- Total interest
- $38,036
- Total of payments
- $106,111
Year-by-year amortization schedule
| Year | Interest paid | Principal paid | Balance at year end |
|---|---|---|---|
| 1 | $5,319 | $3,524 | $64,551 |
| 2 | $5,026 | $3,816 | $60,735 |
| 3 | $4,709 | $4,133 | $56,602 |
| 4 | $4,366 | $4,476 | $52,125 |
| 5 | $3,995 | $4,848 | $47,278 |
| 6 | $3,592 | $5,250 | $42,028 |
| 7 | $3,157 | $5,686 | $36,342 |
| 8 | $2,685 | $6,158 | $30,184 |
| 9 | $2,174 | $6,669 | $23,515 |
| 10 | $1,620 | $7,222 | $16,293 |
| 11 | $1,021 | $7,822 | $8,471 |
| 12 | $372 | $8,471 | $0 |
Example: a $70,000 RV in Utah
With 10% down ($7,000) and 7.25% tax rolled into the loan, you would finance $68,075. At 8% APR over 12 years that is $737 a month and $38,036 in interest. Change any of these in the calculator above.
Frequently asked questions
Do I have to use a Utah lender?
No. Nationwide lenders and credit unions with open membership lend in every state; Alliant Credit Union, for example, offers RV loans up to 20 years. Compare at least one local and one national offer.
Which tax rate applies if I buy outside Utah?
Usually the rate where you register the RV. Buying in another state rarely avoids your home state's tax.
Sources
Checked on October 21, 2026. Lenders change rates often; confirm with the lender before you apply.
- America First Credit Union — loan rates, as of October 20, 2026
- Security Service Federal Credit Union — other vehicle loan rates, as of September 21, 2026
- Utah State Tax Commission — sales and use tax rates in effect April 1, 2026