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Boat & RV Loans

We offer fixed rate loans up to $100,000 for a variety of boats and RVs, including campers, motor homes, and conversion vans. Boats over 27 feet, 11 inches may be documented with the US Coast Guard (filed as a First Ships Mortgage) or titled with the Department of Motor Vehicles.

  • Terms up to 12 years dot
    Terms up to 12 years1 on new and up to 10 years1 on used. Financing up to 90%, including accessories, taxes, fees, and warranties2.
  • Get pre-approved before you shop dot
    Get pre-approved before you shop – it’s like having cash in hand. Plus, the 30–day approval lock gives you time to shop for the boat or RV that best fits your personality and lifestyle.
  • Arrange to have your loan payment dot
    Arrange to have your loan payment automatically deducted from your savings, checking, or tiered money market account and we’ll lower your interest rate by .25%3.
  • Refinancing your boat or RV loan dot
    Refinancing your boat or RV loan from another institution could save you hundreds or even thousands of dollars over the life of your loan. Find out how.

Get Started

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What to Expect When Applying


Boat & RV Loan Rates

New Boat & RV
Fixed APR
Used Boat & RV
Fixed APR

View all APRs and disclosures


Get financing directly at any of the dealers in our partner network. You can also start your application online or in a branch and then finalize at a dealer. Whichever you prefer, you’ll still receive the same low rates and flexible financing terms. Be sure to tell the dealer you want to finance your loan with HVFCU, and we’ll send payment directly to them — and also coordinate your title and lien.


We offer additional services to insure and protect your motorcycle investment.

Useful Resources

Get a free credit report review from BALANCE. Their counselors are certified to review credit reports and can help make sense of what is in your report.


1 As an example, a 12-year, 7.25% fixed rate new boat or recreational vehicle loan for $12,000 would result in 144 monthly payments of $125.08.
2 Borrow 90% of the purchase price for new boats and recreational vehicles and 90% of the book value for used boats and recreational vehicles. Accessories, taxes, fees, & warranties included in 90% financing for new boats and recreational vehicles.
3 Rates that are discounted by .25% include a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. Excludes Personal Assistance Loans.