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Longer Recreational Vehicle Terms Now Available.

Financing your recreational vehicle is now more affordable with longer payment options up to 180 months, plus up to 100% financing. Purchase or refinance an existing rec vehicle from another lender—we can help!

Or, not ready to apply yet? Ask a loan officer a question >

From boat loans to snowmobile loans.

Heritage Credit Union offers the following recreational vehicle loans:

  • RV, camper and motorhome Loans
  • Boat loans
  • Snowmobile loans
  • Jet ski loans
  • ATV and UTV loans
  • Travel trailer loans

ATVs/UTVs, Personal Watercrafts, Snowmobiles

APR* (as low as)
Term: 36 Months
APR* (as low as): 5.24%
Term: 48 Months
APR* (as low as): 5.74%
Term: 60 Months
APR* (as low as): 6.24%
Term: 72 Months
APR* (as low as): 6.74%
Term: 84 Months
APR* (as low as): 8.24%

Boats, Campers, RVs

APR* (as low as)
Term: 2018 or newer - 60 months
APR* (as low as): 5.75%
Term: 2018 or newer - 120 months
APR* (as low as): 5.99%
Term: 2018 or newer - 144 months
APR* (as low as): 6.50%
Term: 2018 or newer - 180 months
APR* (as low as): 6.75%
Term: 2014-2017 - 60 months
APR* (as low as): 6.25%
Term: 2014-2017 - 120 months
APR* (as low as): 6.75%
Term: 2014-2017 - 180 months
APR* (as low as): 6.99%
Term: 2013 or older - 60 months
APR* (as low as): 6.99%
Term: 2013 or older - 120 months
APR* (as low as): 7.25%

Calculate your monthly fun payment.

Use our loan calculator to estimate your monthly recreational vehicle loan payment.

Refinance your recreational vehicle.

If you already have a recreational vehicle loan at another lender, you could refinance your loan with Heritage and save money each month. Plus, payments are easy when you sign up to have funds automatically withdrawn from your savings or checking account and transferred to your loan.

Protect Your Loan

  • Guaranteed Asset Protection (GAP) protects you against financial loss in the event your vehicle is damaged beyond repair (totaled) or stolen and never recovered, and is available for eligible motorcycles, boats, RVs, travel trailers and campers. Learn More >
  • Debt Protection protects your loan payments against unexpected and covered life events and disability could help protect more than your finances. Learn More >

°APR = Annual Percentage Rate as of 04/06/2022. Rates are subject to change without notice. Subject to qualified credit and collateral. Minimum loan amounts may be required. Monthly payment is based on payment per $1,000 for term and rate shown. Actual rates depend on loan-to-value ratio and creditworthiness. Down payment requirements may apply.

Personal Loan

24 Months, as low as 5.99% APR*

Auto Loan

24 Months, as low as 1.74% APR*