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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 October 1, 2019
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 October 1, 2019

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