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Recreational Vehicle Loans

Camper, Boat, ATV, UTV & Motorcycle Loans

Gear up for outdoor fun! Our recreational vehicle loans in Ohio have affordable and flexible rates and terms that make ownership work for many budgets. Apply for a loan today to start having exciting adventures with friends and family.

Going to an RV & Boat Show? Get pre-approved before you go!

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Get Great Perks & Enjoy the Journey

Have exciting adventures in the great outdoors! Whether you want to visit destinations in a camper/RV, forge new trails in an ATV/UTV, hit the water in a boat, or see where the road will take you on two wheels, we can take care of the financing. Our hassle-free federal credit union recreational vehicle loans help you save money and get payments you can afford. Apply for a loan today or loan pre-approval to start shopping for your perfect ride.

 
 

Competitive Rates

Save on interest! We have better rates than other boat financing options.

 
 

Flexible Terms

Terms of up to 84 months are available to get payments that work for your budget.

 
 

No Closing Fees

Save even more on boat financing! No closing costs mean you get to keep more of your money for fun on the water.

 
 

No Prepayment Penalties

Make extra payments to pay off your loan faster and to save money on interest.

 

Camper/RV Loans

Explore new destinations with your own home away from home! Whether you’re planning local weekend getaways in Ohio or cross-country adventures, we offer camper/RV financing with terms of up to 120 months to get payments you can afford. Apply for an RV loan today to see where the road takes you.

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A recreational vehicle parked in the woods

 

Boat Loans

Chart a course for open water fun with financing that makes boat ownership easy! With no application or closing fees, you can save more of your hard-earned money for fishing, water skiing, or simply enjoying a leisurely ride. Apply for a boat loan today to explore lakes and other destinations as the captain of your own vessel.

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A man fishing off a new boat he financed with a recreational loan.

 

ATV/UTV/Side-by-Side Loans

Conquer the Ohio countryside with our easy ATV/UTV/Side-by-Side financing while saving on interest! With a short application and fast loan decisions, you can quickly start exploring rugged trails or forge through the mud. Apply for a loan today for outdoor adventure and fun.

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A man goes off-road after getting an ATV loan.

 

Motorcycle Loans

Kick start adventure on the open road with our motorcycle financing! Our competitive rates and flexible terms allow you to cruise into motorcycle ownership with affordable payments. You can use the money you save for motorcycle accessories or for your next road trip. Apply for a hassle-free motorcycle loan today to hit the road fast.

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Two bikers cruise open Ohio highways on their motorcycles.

 

Additional Features

 

Skip-a-Pay Option

Skip up to two payments per year if money is tight with our Skip-a-Pay Service. Up to 5 payments can be skipped over the duration of your loan.

Simple Application Process

Conveniently apply online, by phone, or drop by a local branch. Our application is short and hassle-free.

Fast Loan Decisions

Get on the water fast! We’ll give you a quick loan decision so you can start shopping for the perfect boat.

 

Optional Credit Life & Credit Disability Insurance

Add optional insurance to your loan to make sure your loan payments will be made for you if you can't due to an accident, injury, or death.

Loan Pre-Approval

Get an estimate of how much you qualify to borrow before you go shopping so you can focus on the boats you know you can afford.

Personalized Service

We’ll support you every step of the way during the loan process and beyond. We want to see you buy the boat of your dreams!

 

Ohio Recreational Vehicle Loan Rates

  Rate Term Closing Fees Prepayment Penalty Skip-a-Pay Option  
Camper/RV As low as 7.85% APR*

Up to 120 Months

 None None Yes LEARN MORE
Boat Loan As low as 7.85% APR* Up to 84 months None None Yes LEARN MORE
ATV/UTV/Side-by-
Side Loan		 As low as 7.85% APR* Up to 60 Months None None Yes LEARN MORE
Motorcycle Loan As low as 7.85% APR* Up to 60 Months None None Yes LEARN MORE

*APR = Annual Percentage Rate. On a $10,000 for 48 mo at 7.85% APR monthly payment would be $243.43. Subject to credit approval. Your rate may vary. Late fee: If you make a payment 10 days or more after the due date, you may be charged 5% of the monthly payment amount.

VIEW ALL RATES

 

How to Apply for a Recreational Loan

 

Step

1

 

Apply for a Loan

Conveniently apply online by clicking the button below, by phone, or in person at a branch.

Step

2

 

Application Review

We’ll review your application, crunch the numbers, and give you a fast loan decision.

Step 3

 

Finalize the Loan

Have the dealer send us a purchase agreement and we'll help you with the closing. Sign on the go from anywhere or in the branch!

 

Get Started

 

Tools & Services

OUCU Financial Recreational Loan FAQs

What types of recreational vehicles can be financed?

We offer financing for campers/RVs, boats, ATVs, UTVs, side-by-sides, and motorcycles.

What credit score do I need to finance a recreational vehicle?

The preferred credit score for a recreational loan is 650, although lower scores will be considered. Loan decisions are not based on your credit score alone. In addition to your credit history and the loan amount, we will also consider your income, employment history, current debts, and other factors when making a loan decision.

Can I finance a used recreational vehicle?

Yes, many used recreational vehicles qualify for financing. It depends on the model year, condition, and current value.

Do recreational vehicle loans have fixed interest rates?

Yes, our recreational loans in Ohio have fixed interest rates, which means the rate will not change over the duration of your loan. With a fixed rate, your monthly payments are the same each month, which helps with budgeting.

What loan terms are available for recreational vehicles?

Our recreational vehicle loan terms depend on the type of vehicle you are financing. For campers and RVs, we offer terms of up to 120 months. For boats, terms of up to 84 months are available. And for ATVs, UTVs, side-by-sides, and motorcycles, we offer terms of up to 60 months.

Is collateral required for a recreational vehicle loan?

The recreational vehicle you are buying serves as the collateral for the loan. No additional collateral is required.

Do you offer pre-qualification for recreational vehicle loans?

Yes, we’ll be glad to do a preliminary review of your finances and give you an estimate of how much you can borrow. This will help you save time when shopping so you can focus on the vehicles you know you can afford. Pre-qualification may also give you an edge during the negotiation process with sellers.

Do I need to be a member of OUCU Financial to apply for a loan? 

Yes, membership is required to access our loan services. OUCU Financial Membership is easy to meet. You must: 

  • Live, work, worship, or go to school in our eight-county area: Athens, Hocking, Fairfield, Perry, Morgan, Washington, Vinton, and Meigs County in Ohio
  • Be an Ohio University or Hocking College active or retired employee, student, or graduate
  • Have a family member who is eligible for membership

Anyone who works for a partner company or anyone who belongs to one of the following associations may also become a member: Ohio University Friends of the Libraries, Athens Friends of the Library, Athens County Area Beekeepers Association, Athens Amvets Post 76, Albany Amvets Post 93, Athens Country Club, Athens Elks, Athens Masonic Bodies, Career Connections Alumni Association.