boat, RV & other recreational craft loans

Explore our great options for a variety of recreational and unique vehicle loans and enjoy more of the great outdoors. Adventure awaits and there's no better time to get out there and explore it.

Finance your recreational vehicle through United for as low as $158 payments1 plus your choice of $100 cash back2 or no payments for 90 days3.

What type of recreational vehicle are you interested in?

See Loan Options

adventure awaits

Enjoy more of the great outdoors with these financing options.

There's more than one way to get to awesome. Whether your dream is a boat, trailer, RV, motorcycle, snowmobile, or ATV, we have low-cost financing to make it happen. Select what type of fun you want to finance and we'll show you what type of loan you should apply for.

boat loan

fishing boats, sailboats, pontoon boats, cabin cruisers, and more

RV loan

motorhomes, travel trailer, fifth wheel trailers, campers, and horse trailers

motorcycle loan

motorcycles, ATVs, UTVs, personal watercrafts, and snowmobiles

other vehicle loan

titled/UCC'ed vehicles not included in other categories, like lawnmowers, tractors, and golf carts

boat loans and refinancing

The ocean blue is waiting for you.

Head out on a new adventure with the marine or boat loan that's right for you. We can help you buy the boat of your dreams.

United finances fishing boats, sailboats, pontoon boats, cabin cruisers, and more.

Recreational Loan Promotional Offer: payments as low as $158 per month plus choose your bonus: $100 cash back or no payments for 90 days
payments as low as $158 per month1
plus, choose your bonus: $100 cash back2 or no payments for 90 days3
rates as low as
4.95% APR
for up to 180 months1

what our loan offers

United offers a fixed rate loan to finance a new or used boat. Have confidence knowing that you won't be tied down with additional fees. We allow borrowing up to 100% of the value of your boat to help cover expenses like taxes, title fees, and negative trade-in equity. United has no application fee or early payment penalties.

good to know

Personal watercrafts, like jet skis, are not considered a boat. If you are looking to finance your watercraft, you'll need a Motorcycle Recreational Loan.

Finance Watercraft

competitive rates
flexible repayment terms up to 180 months1
borrow up to 100% of the vehicle's value
eligible for Skip-a-Pay
easy to apply
0.10 percent
discount with an Ultra Checking account1
no application fees or prepayment penalties
0.25 percent
discount when you fiance 80% or less1
0.25 percent
discount with automatic payments1
Guaranteed Asset Protection Insurance5
Debt Protection4
helpful assistance online and in branch

Need a trailer for your boat? We've got you covered there too.

Trailer Financing

Trailer Financing

got questions?

A: You must have full coverage insurance with a $1,000 maximum deductible, and have a purchase order or copy of the title available.

If multiple names are on the title, all parties must sign the appropriate paperwork for the loan and lien perfection.

A: Once you have your recreational vehicle, its value is already worth less. Since insurance claim payments are based on the current value of your vehicle, your loan or lease could be higher than the value of your vehicle in the event of a total loss.

Guaranteed Asset Protection (GAP) is an optional product that you may purchase for your vehicle that covers the difference between the outstanding loan balance and the actual cash value of the vehicle in the event of a total loss or theft.

GAP can be added at any time, but it's most beneficial in the first 18 months of the loan. GAP is valid for one vehicle loan, including any recreational vehicle loan. The coverage cannot be combined across loans.

A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.

A: Typically, GAP covers the loan itself and is nontransferable when the loan is refinanced. However, there is a slight chance GAP purchased on a United loan can be transferred if the loan is refinanced to a new United loan.

The ability to request this option will be dependent on the terms of the new loan and if the loan term is extended or not.

A: Yes, GAP can be added at any time to an existing loan with a qualifying vehicle. In most cases, it is most beneficial to add this during the first 18 months of the loan when there is the greatest likelihood of a deficiency balance in the event of a loss.

A: Yes, a boat loan from United covers used boats. Please be aware that a used boat over $75,000 will require a Certified Marine Appraisal to determine the value. A dealer write up or purchase order is not considered an appraisal.

RV loans and refinancing

Wanderlust in style.

A new adventure on the open road awaits with the RV and trailer loan that's right for you. We can help you buy the camper of your dreams.

United finances motorhomes, travel trailers, fifth wheel trailers, campers, and horse trailers.

Recreational Loan Promotional Offer: payments as low as $158 per month plus choose your bonus: $100 cash back or no payments for 90 days
payments as low as $158 per month1
plus, choose your bonus: $100 cash back2 or no payments for 90 days3
rates as low as
4.95% APR
for up to 180 months1

what our loan offers

United offers a fixed rate loan to finance a new or used RV or trailer. Have confidence knowing that you won't be tied down with additional fees. We allow borrowing up to 100% of the value of your camper to help cover expenses like taxes, title fees, and negative trade-in equity. United has no application fee or early payment penalties.

competitive rates
flexible repayment terms up to 180 months1
borrow up to 100% of the vehicle's value
eligible for Skip-a-Pay
easy to apply
0.10 percent
discount with an Ultra Checking account1
no application fees or prepayment penalties
0.25 percent
discount when you fiance 80% or less1
0.25 percent
discount with automatic payments1
Guaranteed Asset Protection Insurance5
Debt Protection4
helpful assistance online and in branch

Want a golf cart to travel campgrounds? We’ve got you covered there too.

Other Vehicle Financing

Other Vehicle Financing

got questions?

A: You must have full coverage insurance with a $1,000 maximum deductible, and have a purchase order or copy of the title available.

If multiple names are on the title, all parties must sign the appropriate paperwork for the loan and lien perfection.

A: Once you have your recreational vehicle, its value is already worth less. Since insurance claim payments are based on the current value of your vehicle, your loan or lease could be higher than the value of your vehicle in the event of a total loss.

Guaranteed Asset Protection (GAP) is an optional product that you may purchase for your vehicle that covers the difference between the outstanding loan balance and the actual cash value of the vehicle in the event of a total loss or theft.

GAP can be added at any time, but it's most beneficial in the first 18 months of the loan. GAP is valid for one vehicle loan, including any recreational vehicle loan. The coverage cannot be combined across loans.

A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.

A: Typically, GAP covers the loan itself and is nontransferable when the loan is refinanced. However, there is a slight chance GAP purchased on a United loan can be transferred if the loan is refinanced to a new United loan.

The ability to request this option will be dependent on the terms of the new loan and if the loan term is extended or not.

A: Yes, GAP can be added at any time to an existing loan with a qualifying vehicle. In most cases, it is most beneficial to add this during the first 18 months of the loan when there is the greatest likelihood of a deficiency balance in the event of a loss.

motorcycle loans and refinancing

Who says adults can’t play?

Get your next thrill with the Motorcycle and recreational vehicle loan that's right for you. We can help you buy the Harley Davidson of your dreams.

Don't let the name confuse you. United finances motorcycles, ATVs, UTVs, personal watercrafts, and snowmobiles.

Recreational Loan Promotional Offer: payments as low as $158 per month plus choose your bonus: $100 cash back or no payments for 90 days
payments as low as $158 per month1
plus, choose your bonus: $100 cash back2 or no payments for 90 days3
rates as low as
4.25% APR
for up to 84 months1

what our loan offers

United offers a fixed rate loan to finance a new or used motorcycle or recreational vehicle. Have confidence knowing that you won't be tied down with additional fees. We allow borrowing up to 115% of the value of your UTV to help cover expenses like taxes, title fees, and negative trade-in equity. United has no application fee or early payment penalties.

good to know

Need to finance a vehicle that isn't in a clear category? Vehicles like golf carts or tractors. Find out more about our Other Vehicle Loan.

Finance Other

competitive rates
flexible repayment terms up to 84 months1
borrow up to 115% of the vehicle's value
eligible for Skip-a-Pay
easy to apply
0.10 percent
discount with an Ultra Checking account1
no application fees or prepayment penalties
0.25 percent
discount when you fiance 80% or less1
Guaranteed Asset Protection Insurance5
Debt Protection4

Need a trailer for your ATVs? We’ve got you covered there too.

Trailer Financing

Trailer Financing

got questions?

A: You must have full coverage insurance with a $1,000 maximum deductible, and have a purchase order or copy of the title available.

If multiple names are on the title, all parties must sign the appropriate paperwork for the loan and lien perfection.

A: Once you have your recreational vehicle, its value is already worth less. Since insurance claim payments are based on the current value of your vehicle, your loan or lease could be higher than the value of your vehicle in the event of a total loss.

Guaranteed Asset Protection (GAP) is an optional product that you may purchase for your vehicle that covers the difference between the outstanding loan balance and the actual cash value of the vehicle in the event of a total loss or theft.

GAP can be added at any time, but it's most beneficial in the first 18 months of the loan. GAP is valid for one vehicle loan, including any recreational vehicle loan. The coverage cannot be combined across loans.

A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.

A: Typically, GAP covers the loan itself and is nontransferable when the loan is refinanced. However, there is a slight chance GAP purchased on a United loan can be transferred if the loan is refinanced to a new United loan.

The ability to request this option will be dependent on the terms of the new loan and if the loan term is extended or not.

A: Yes, GAP can be added at any time to an existing loan with a qualifying vehicle. In most cases, it is most beneficial to add this during the first 18 months of the loan when there is the greatest likelihood of a deficiency balance in the event of a loss.

other vehicle loans and refinancing

For your unique vehicle.

You want a something that isn't an automobile, boat, RV, trailer, or a recreational vehicle. Where do you get a loan for it? If the item on your mind is a vehicle with a title of UCC, you may be able to finance using United's Other Vehicle Loan.

This loan can be used to finance lawnmowers, tractors, golf carts, and more. Just chat with us and see if your vehicle qualifies.

Recreational Loan Promotional Offer: payments as low as $158 per month plus choose your bonus: $100 cash back or no payments for 90 days
payments as low as $158 per month1
plus, choose your bonus: $100 cash back2 or no payments for 90 days3
rates as low as
8.39% APR
for up to 84 months1

what our loan offers

United offers a fixed rate loan to finance a titled or UCC'ed vehicle not included in other loan categories. Financing must be for a vehicle of more than $1,000. Have confidence knowing that you won't be tied down with additional fees. We allow borrowing up to 115% of the value of your vehicle to help cover expenses like taxes, title fees, and negative trade-in equity. United has no application fee or early payment penalties.

competitive rates
flexible repayment terms up to 60 months1
borrow up to 115% of the vehicle's value
eligible for Skip-a-Pay
0.10 percent
discount with an Ultra Checking account1
no application fees or prepayment penalties
0.50 percent
discount when you fiance 80% or less1
helpful assistance online and in branch

Need a trailer for your vehicle? We’ve got you covered there too.

Trailer Financing

Trailer Financing

unsecured loans and refinancing

For your unique vehicle.

Vehicles that do not qualify as an automobile, recreational vehicle, and do not have a title or UCC can still be financed with a personal loan.

United offers a variety of options for personal financing. Check out the great loans below!

Need a trailer for your vehicle? We’ve got you covered there too.

Trailer Financing

set sail with United

You want the perfect boat, and we want to help you get it.

hit the road with United

You want the perfect camper to explore the land, and we want to help you get it.

conquer the terrain with United

You want the perfect sport vehicle to test your mettle, and we want to help you get it.

talk with United

You want something unique, and we want to help you get it.

talk with United

You want something unique, and we want to help you get it.

not the right loan?

Looking for an on-land recreational vehicle or maybe something a bit smaller like a jet ski? Check out United's other recreational vehicle loans.

not the right loan?

Looking for a marine vehicle or maybe something a bit smaller like an ATV? Check out United's other recreational vehicle loans.

not the right loan?

Looking for a marine vehicle or maybe something a bit bigger with a bed and sink? Check out United's other recreational vehicle loans.

not the right loan?

Looking for a marine vehicle or maybe something a bit bigger with a bed and sink? Check out United's other recreational vehicle loans.

not the right loan?

Looking for a marine vehicle or maybe something a bit bigger with a bed and sink? Check out United's other recreational vehicle loans.

Wrong type of vehicle? Try looking at our auto loans for automobiles or personal loans for non-titled vehicles.

learn more about United

Read our FAQs, learned about United, and contact us with your questions to make the decision easier.

United Routing Number: 272484894

 

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Insured by NCUA. Equal Housing Lender – We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act. NMLS #471962.

If you are using a screen reader or other auxiliary aid and are having trouble using our website, call us at (888) 982-1400 for some help. All products and services available on this website are available at all United Federal Credit Union full-service locations.