RV, Boat and Other Loans


For Campers | RV | Motorcycles | ATVs | Boats | Small Trailers | Personal Watercraft | Riding Mowers | Small Tractors (for non-commercial use) or more. 

Maybe you play hard. Maybe you work hard. We'll make the financing easy though.

As a general rule, we finance all the above equipment at just one percent higher than the auto loan rates. Most of the qualifications for automobile loans also apply for these loans.

  • For new or never-titled purchases: loans are as low as 3.49% APR* for up to 84 months, for up to 100% LTV.

  • For used, 2017-2010 purchases or refinances: loans are as low as 4.99%* for up to 66 months, for up to 100% LTV.

  • For used, 2009 or older purchases or refinances: loans are as low as 6.99%* for up to 60 months, for up to 100% LTV.

  • We understand that some high-end RVs and other equipment may require longer terms, and will look at every situation and adjust terms as needed. We will look for ways to help you out.

  • *APR = Annual Percentage Rate.

  • LTV = Loan to Value. Loan to Value is a ratio defined as the loan dollar amount divided by the market value in dollars of the collateral.

*APR = Annual Percentage Rate.

LTV = Loan to Value. Loan to Value is a ratio defined as the loan dollar amount divided by the market value in dollars of the collateral.

Borrowers must be 18 years of age or older to sign on a vehicle loan. In most cases, add 1% to loans where the vehicle has 100,000 miles or more. No autos with "salvage" or "rebuilt" titles. Cosigners may be needed in some situations, and the cosigner must be eligible for membership, have a credit score of 650 or higher, and qualify based on other conditions. Vehicles used primarily as "for hire" transport, such as Uber, Lyft or on-demand transport, will not qualify for financing. Borrowers may add up to 6 months to the term to assist financing of Route 66 Vehicle Warranty from WCCFCU.