Boat & RV Loans

Explore options to finance your adventures.

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 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 – 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.

Apply Online

Discounts for Auto Pay

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.

Looking to Refinance?

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.

Dealer Network

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 HVCU, and we’ll send payment directly to them — and also coordinate your title and lien.

Group of RVs

Estimate Your Monthly Payment

Insure & Protect

We offer additional services to insure and protect your motorcycle investment.
Couple looking at financial paperwork

What Your Neighbors Are Saying

  • Image of Couple relaxing in front of RV
    HVCU Member
    7 Years
    I feel that you are part of the community. A couple of years ago I decided to buy an RV on the spurt of the moment and your staff really went out of their way to allow us to make the purchase the same day. It was just awesome!

    Rating star-5 out of 5 stars.
  • Image of Woman sitting on boat
    HVCU Member
    19 Years
    Excellent loan program, financial advice, interest rates and wonderful staff.

    Rating star-5 out of 5 stars.
  • Image of Man driving boat
    HVCU Member
    43 Years
    Best loan rates I could find.

    Rating star-5 out of 5 stars.
  • Image of Man in kayak
    HVCU Member
    11 Years
    Ease of doing business, great customer service, great loan rates.

    Rating star-5 out of 5 stars.

We Are Here To Help

Important Legal Disclosures & Information

All company names are the registered trademarks of their original owners.

1APR=Annual Percentage Rate. Rates for this product are as low as 7.25% subject to applicant credit and total amount financed. Rates are accurate as of 4/4/24, and are subject to change without notice. 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.

2Borrow 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.

3Rates 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.