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      Recreational Vehicles and Boats

      RV and Boat Loans

      Apply for RV or Boat Loan

      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

      Loan Type Annual Percentage Rate (APR)
      TEXT
      RV, Travel Trailers, Boats - up to 60 months
      TEXT
      as low as 4.99%
      TEXT
      RV, Travel Trailers, Boats - 61 to 72 months
      TEXT
      as low as 5.99%
      TEXT
      RV, Travel Trailers, Boats - 73 to 96 months
      TEXT
      as low as 6.99%
      TEXT
      RV, Travel Trailers, Boats - 97 to 120 months; min. $50k
      TEXT
      as low as 7.99%
      TEXT
      Utility Trailer
      TEXT
      as low as 9.00%
      Effective February 1, 2020
      Loan Type

      RV, Travel Trailers, Boats - up to 60 months

       Annual Percentage Rate (APR)

      as low as 4.99%
      Loan Type

      RV, Travel Trailers, Boats - 61 to 72 months

       Annual Percentage Rate (APR)

      as low as 5.99%
      Loan Type

      RV, Travel Trailers, Boats - 73 to 96 months

       Annual Percentage Rate (APR)

      as low as 6.99%
      Loan Type

      RV, Travel Trailers, Boats - 97 to 120 months; min. $50k

       Annual Percentage Rate (APR)

      as low as 7.99%
      Loan Type

      Utility Trailer

      Annual Percentage Rate (APR)

      as low as 9.00%
      Effective February 1, 2020

      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!

      Apply for RV or Boat Loan

       

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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
      Privacy Policy

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      America's Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 972-494-5328 or 800-543-2811 so that we may promptly assist you and remedy any accessibility concerns.

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