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      Recreational Vehicles and Boats

      RV and Boat Loans

      MEMBERS: Apply Here

      NON-MEMBERS: Apply Here

      At America's Credit Union we know that your RV and boat are more than just toys, they're an extension of your personality. That's why we make it easy to finance your camper or boat with no money down and up to 100% financing with terms that make your monthly payment affordable.

      If your RV, travel trailer, or boat is less than $50,000 we offer loans from 24 months to 96 months to make your payment affordable and easy to manage.

      If your RV, travel trailer, or boat is more than $50,000 we offer special loan terms from 97 to 120 months for larger purchases.

       
      airstream camper mountain view

      If you're in the market for a boat, ACU will finance the trailer, motor, and any dealer accessories up to 100% of the MSRP value in the same loan! That's one easy payment for everything you need to get on the water.

      If you've been looking for someone who understands how important quick weekend trips to the lake are with your family and why you might want to "unplug" and unwind for a few weeks or months, by land or sea. Talk to a Loan Officer about your plans with your RV or boat and we'll work to find the right solution for you. 

      RV and Boat Loan Features

      RV Loans

      • Zero down.
      • Up to 100% financing.
      • Longer terms for larger purchases.
      • Dealer accessories can be included as long as the loan doesn't exceed 100% of MSRP value.

      Boat Loans

      • Zero down.
      • Up to 100% financing.
      • Finance your boat, motor, and trailer in the same loan.
      • Dealer accessories can be included as long as the loan doesn't exceed 100% of MSRP value.

      RV and Boat Loan Rates

      Length of Term, New and Used Annual Percentage Rate (APR)**
      TEXT
      Up to 60 months
      TEXT
      as low as 2.39%
      TEXT
      61 to 72 months
      TEXT
      as low as 2.99%
      TEXT
      73 to 84 months; min. $50k
      TEXT
      as low as 3.29%
      TEXT
      85 to 96 months; min. $50k
      TEXT
      as low as 5.29%
      TEXT
      97 to 120 months; min. $50k
      TEXT
      as low as 6.29%
      Effective October 1, 2020
      Length of Term, New and Used

      Up to 60 months

       Annual Percentage Rate (APR)**

      as low as 2.39%
      Length of Term, New and Used

      61 to 72 months

       Annual Percentage Rate (APR)**

      as low as 2.99%
      Length of Term, New and Used

      73 to 84 months; min. $50k

       Annual Percentage Rate (APR)**

      as low as 3.29%
      Length of Term, New and Used

      85 to 96 months; min. $50k

       Annual Percentage Rate (APR)**

      as low as 5.29%
      Length of Term, New and Used

      97 to 120 months; min. $50k

       Annual Percentage Rate (APR)**

      as low as 6.29%
      Effective October 1, 2020

      **Annual Percentage Rates are effective as of 10/1/2020. Rates shown include discounts of up to 0.70% that are available. Rates are subject to change without notice. Rates, terms and conditions may vary based on an individual's creditworthiness and credit union underwriting guidelines.

      RV and Boat Loan Resources

      RV and Boat Loan Calculator

      Use the rates and terms above to estimate your potential monthly payment with our Payment Calculators. 

      You may also consider alternative financing options for your camper or boat, such as a Home Equity Loan. If you're not sure which loan option is best for you, contact a Loan Officer.

       

      women on a boat
      jet ski in water

      Boat Loan or Personal Watercraft Loan?

      A Personal Watercraft, also known as a Jet Ski, WaveRunner, or water scooter is different from a boat. ACU offers Personal Watercraft Loans for these particular purchases.

      If you're considering a Personal Watercraft, please see our Personal Watercraft page for current rates and details about financing.

       

      Apply for an RV or Boat Loan Today!

      MEMBERS: Apply Here

      NON-MEMBERS: Apply Here

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      ACU NMLS ID #562279

      NCUA
      Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency
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