RV, Boat, and Motorcycle Loans
Dreaming of cruising the open roads in a new Recreational Vehicle (RV)? Feeling the thrill of the ride on a motorcycle or boat? No matter the ride, our tailored financing options make it possible.
What Do RV Loans Cover?
Boats/Personal Watercraft
Motorcycles
RVs/Campers
Travel Trailers
Boats/Personal Watercraft
Motorcycles
RVs/Campers
Travel Trailers
Why choose an RV, Boat, or Motorcycle Loan?
Finance Your Next Adventure
Life isn’t a straight line. But when you borrow from TVFCU, your path to exploration and excitement can be. You’ll enjoy:
- Flexible repayment terms for any scenario
- Pre-approval option for increased negotiating leverage
- Refinancing opportunities for better rates
- Quick, local decision-making
Preferred Boat & RV Dealers
Buy From Dealers We Trust
By securing pre-approval from a preferred before you shop, you can streamline the buying process, making it easier to find and finance your ideal recreational vehicle.
- Chattanooga: Erwin Marine, White's Cycle & Marine
- Dayton: Sandhill Boat Company
- East Ridge: Camping World of Chattanooga
- Highway 58: Island Cove
How to Get Started
Ready to Hit the Road (Or Lake)?
We make getting your next vehicle is easy. Follow these simple steps to secure financing and hit the road with confidence.
- Many Ways to Apply. Click the button below to apply online. Alternatively, you can call us at 423-634-LOAN to get the process started. You can also apply from anywhere using LIVE Stream Video to chat with us directly!
- Provide Your Details. Have your driver’s license, Social Security number, and proof of address ready for review.
- Get Pre-Approved and Shop With Confidence. Once pre-approved, you can hit the dealership with confidence, making it easier to get behind the wheel fast and start your first adventure!
New & Used Motorcycles, ATVs & Jet Skis
| Vehicle Type | Term | Annual Percentage Rate (APR) |
|---|---|---|
| New Motorcycles1 | 36–84 months | 6.99% to 13.49% |
| Used Motorcycles2 | 36–72 months | 7.99% to 13.99% |
| ATVs & Jet Skis3 | 24–60 months | 9.99% to 18.00% |
| Term | 36–84 months |
|---|---|
| Annual Percentage Rate (APR) | 6.99% to 13.49% |
| Term | 36–72 months |
|---|---|
| Annual Percentage Rate (APR) | 7.99% to 13.99% |
| Term | 24–60 months |
|---|---|
| Annual Percentage Rate (APR) | 9.99% to 18.00% |
1. Not more than two model years old and previously titled (street bikes only, not previously owned). For qualified borrowers, the Credit Union can finance up to 100% of MSRP (plus tax, tag, and warranty). Dealer discounts not accepted as down payments. Warranty up to $1,200. $10,000 minimum for 72 and 84 months. 2. Five model years old or newer (street bikes only). For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (includes tax, tag, and warranty). Dealer discounts not accepted as down payments. $10,000 minimum for 72 months. 3. For qualified borrowers: New ATVs and jet skis up to 75% MSRP, new or used other collateral up to 75% NADA used trade-in value (tax, tag, and warranty included in percentages). As a payment example, 84 months at 6.99% APR results in payments of $15.09 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
New Boats, Motorhomes, and Travel Trailers & Campers
| Loan Amount | Term | Annual Percentage Rate (APR) |
|---|---|---|
| Up to $9,999 | Up to 60 months | 6.24% to 16.24% |
| $10,000–$24,999 | 61–120 months | 6.34% to 15.24% |
| $25,000–$49,999 | 121–144 months | 6.54% to 11.54% |
| $50,000+ | 145–180 months | 7.44% to 11.24% |
| Term | Up to 60 months |
|---|---|
| Annual Percentage Rate (APR) | 6.24% to 16.24% |
| Term | 61–120 months |
|---|---|
| Annual Percentage Rate (APR) | 6.34% to 15.24% |
| Term | 121–144 months |
|---|---|
| Annual Percentage Rate (APR) | 6.54% to 11.54% |
| Term | 145–180 months |
|---|---|
| Annual Percentage Rate (APR) | 7.44% to 11.24% |
For qualified borrowers, the Credit Union can finance up to 100% of MRSP (plus tax, tag, and license). As a payment example, 60 months at 6.24% APR results in payments of $19.44 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
Used Boats, Motorhomes, Travel Trailers & Campers
| Loan Amount | Term | Annual Percentage Rate (APR) |
|---|---|---|
| Up to $9,999 | Up to 60 Months | 10.24% to 13.49% |
| $10,000 to $24,999 | 61–120 months | 9.99% to 13.24% |
| $25,000 to $49,999 | 121–144 months | 9.74% to 12.49% |
| $50,000 or higher | 145–180 months | 9.49% to 12.24% |
| Term | Up to 60 Months |
|---|---|
| Annual Percentage Rate (APR) | 10.24% to 13.49% |
| Term | 61–120 months |
|---|---|
| Annual Percentage Rate (APR) | 9.99% to 13.24% |
| Term | 121–144 months |
|---|---|
| Annual Percentage Rate (APR) | 9.74% to 12.49% |
| Term | 145–180 months |
|---|---|
| Annual Percentage Rate (APR) | 9.49% to 12.24% |
For qualified borrowers, the Credit Union can finance up to 100% of NADA Average Retail (plus tax, tag, and license). As a payment example, 60 months at 10.24% APR results in payments of $21.37 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
Frequently Asked Questions
Interest rates and terms vary based on the type of recreational vehicle and your credit profile.
Absolutely. TVFCU provides refinancing options for existing recreational vehicle loans, which may help you secure a lower interest rate.
Yes, TVFCU offers pre-approval for RV loans, providing added negotiation leverage at preferred dealerships.
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