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Recreational Loans

Finance What You Love

Life's too short to leave the toys in the garage. Finance the ATV, boat, camper, or side-by-side you've been dreaming about, and get out there. We'll help make it happen.
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Man and woman riding on four wheeler

RECREATIONAL LOAN TYPES

Loans for Every Season

Explore financing options for ATVs, UTVs, boats, campers, RVs, motorcycles, and snowmobiles.
Side by side ATV in the woods
ATV & UTV Loans
  • Rates starting at 5.25% APR2
  • Financing up to 84 months.
  • No down payment required.
3 kids on a boat with lifejackets
Boat & Watercraft Loans
  • Rates starting at: 5.25% APR2
  • Financing up to 84 months. 
  • No down payment required. 
Family enjoying breakfast camping
Camper & RV Loans
  • Rates starting at: 5.25% APR2
  • Financing up to 72 months.
  • No down payment required.
Motorcyclist on country road
Motorcycle Loans
  • Rates starting at: 5.25% APR2
  • Financing up to 84 months.
  • No down payment required.
Three snowmobiles on snowy, winter trail
Snowmobile Loans
  • Rates starting at: 5.25% APR2
  • Financing up to 84 months.
  • No down payment required.
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RECREATIONAL LOAN OPTIONS

Find the Right Loan for Your Adventure

Finance the ATV, camper, boat, motorcycle, RV, or snowmobile that's been on your wish list. Explore loan options built around the way you play.
NEW OR USED Finance Your Next Adventure

Buying your first camper or upgrading to a new side-by-side? Find financing that fits your budget.
REFINANCE Lower Your Monthly Payment

Already have a recreational loan? Refinancing could help lower your payment or improve your rate.
VEHICLES WE FINANCE Find Your Perfect Fit

Finance ATVs, UTVs, campers, boats, RVs, motorcycles, snowmobiles, and more to get your next adventure started. 

RECREATIONAL VEHICLE RATES

ATV, Boat & Motorcycle Rates

Compare recreational vehicle loan rates and choose the loan term that fits your budget.
5.25
% APY*
36 Months
5.35
% APY*
48 Months
5.75
% APY*
60 Months
6.00
% APY*
72 Months
7.25
% APY*
84 Months

RECREATIONAL VEHICLE RATES

RV & Camper Loan Rates

Compare recreational vehicle loan rates and choose the loan term that fits your budget.
5.25
% APY*
36 Months
5.35
% APY*
48 Months
5.75
% APY*
60 Months
6.00
% APY*
72 Months
7.25
% APY*
84 Months
Family laughing in the grass

Support

LifePlus Protection

Your family means everything to you. If the unexpected happens, you don’t want an emotionally trying situation to be compounded by financial worry. That’s why there’s Debt Protection, which may cancel your loan balance or payments in case of:

  • Involuntary unemployment
  • Disability
  • Loss of life
  • Illness
  • Hospitalization

*Members received $349,192.22 in benefit compensation last year.
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RECREATIONAL VEHICLE PAYMENT CALCULATOR

Estimate Your Loan Payment

Calculate your estimated monthly payment for an ATV, boat, camper, motorcycle, RV, or snowmobile loan.
Auto Loan Screen on Digital Banking

Digital Banking

Manage Your Loan Anywhere

Stay on top of your auto loan with Digital Banking. Check your balance, make payments, view payoff information, and monitor your loan anytime.
Log in to Digital Banking
Skip A Payment V2

Take a break on payments

Extra Flexibility When You Need It

Life doesn't always go as planned. Eligible members can skip up to two monthly loan payments per 12-month period on eligible loans when unexpected expenses come up.*
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Recreational Loan FAQs

Have questions?

Find answers to common questions about recreational vehicle loans.

What's considered a recreational vehicle?

Recreational vehicles are motorized or towable vehicles used primarily for leisure and recreation. This can include ATVs, UTVs, boats, campers, RVs, motorcycles, snowmobiles, golf carts, and personal watercraft. If you're unsure whether your vehicle qualifies, ask us! 

Are rates better on recreational vehicle loans or personal?

It depends on what you're financing and your individual situation. Meeting with an Embers lender is the best way to compare your options and determine which loan offers the best fit for your budget. You can also view our current rates to get started.

Meet with a Loan Officer

What are the current interest rates for RV and boat loans at credit unions?

Rates depend on your loan term and individual qualifications. Our current recreational loan rates start as low as 5.25% APR, with financing available for boats and other recreational vehicles.

Your final rate may vary based on factors such as your credit history and loan-to-value (LTV). Because rates can change, check our current rates for the latest information or talk with a loan officer about what you may qualify for.

Browse Rates

How long are recreational vehicle loans?

At Embers, recreational vehicle loan terms typically range from 36 to 84 months, depending on the type of vehicle and your financing needs. This flexibility allows you to choose a repayment option that fits your budget, whether you’re looking to pay it off faster or keep monthly payments lower. 

Does recreational vehicle loans cover motorcycles?

Yes! You can finance a new or used motorcycle with a recreational vehicle loan. Our loan officers can help you find a loan option that fits your budget and riding goals. 

What type of insurance is required on a recreational vehicle loan?

All loans that over $3,500 require "Full Coverage" insurance encompassing collision, liability, and comprehensive coverage.

Let's talk it through

Looking at an ATV, boat, or camper? We’ll walk through your options and help you figure out what makes sense. 
Meet with a Loan Officer