family sitting around a campfire at night


Say yes to the outdoors.

Finance a recreational vehicle and go 90 days payment-free‍3!

Questions? We can help.

Boats, Campers, RVs

Recreational Loan Rates for Boats, Campers, and RVs
Model YearMin. Loan Amt.Max. Term‍1APR As Low As
2020 or newer$5,00060 months8.24%
$15,000120 months10.24%
$20,000144 months10.74%
$20,000180 months11.49%
2016-2019$5,00060 months8.74%
$15,000120 months10.74%
$50,000180 months11.74%
2015 or older$5,00060 months9.49%
$25,000120 months10.74%
Accurate as of 06/13/2024
Apply for a Recreational Loan


ATVs/UTVs, Personal Watercrafts, Snowmobiles

Recreational Loan Rates for ATVs, UTVs, Personal Watercraft and Snowmobiles
Term‍2APR As Low AsMonthly Payment‍2
24 months8.74%$227.83
36 months9.24%$159.56
48 months9.74%$126.19
60 months10.24%$106.83
72 months10.74%$94.51
84 months11.24%$86.24
Accurate as of 06/13/2024
Apply for a Recreational Loan


How does the process work?

Step 1: Find the loan for you

Look through the rate tables above or call 800.845.5025 to speak with an expert.

Step 2: Complete your application

You can apply for a loan online, over the phone, or at a branch in five minutes.

Step 3: Get approved

We’ll review your application and other factors. This only takes one business day.

Step 4: You get your money

Once everything is signed and approved, you’ll get the money.

Step 5: Experience the outdoors

Get out there and explore.

Available loan features

cuna mutual

GAP Protection

Cover the difference between your insurance settlement and loan balance in the event of a full loss.

See more info
cuna mutual

Debt Protection

We offer Life, Disability, and Involuntary Unemployment coverage. Learn more about debt protection.

Start a claim now

FAQs: You asked. We answered.

Do I have to be preapproved for my loan before I start shopping?
No, it’s not a requirement. But being preapproved helps you negotiate the best price because you won’t end up with a high rate when you close the deal. Dealers take preapproved customers more seriously because it means you’re ready to do business.
Can I pay off my loan quicker than the payment schedule?
Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.
How do I receive my title or a lien release for my vehicle?

There are a number of different ways in which you can receive a title or lien release, depending on whether your loan is active or paid off, and whether you live in a state that processes paper or electronic titles. For more details, please review our Title and Lien Release FAQs.