Break free from the ordinary with these financing options.
There is no better time to explore! Whether it’s in your dream boat or RV or on a motorcycle, snowmobile, or ATV, United’s low rates will get you out exploring the great outdoors in no time. Let us know what type of fun you want to finance and we’ll help get you started.
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 watercraft, like jet skis, are not considered a boat. If you are looking to finance your watercraft, you'll need a Motorcycle Recreational Loan.
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.
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.
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 watercraft, and snowmobiles.
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.
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 an Other Vehicle Loan from United.
This loan can be used to finance lawnmowers, tractors, golf carts, and more. Just chat with us and see if your vehicle qualifies.
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.
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