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Boat & RV Loans

Water or land: What's your pleasure?

Whether you’re in the market for a new or used boat or large recreational vehicle, or want to refinance a higher-rate boat or RV loan from another financial institution, LOC offers competitive financing to help keep your budget intact. We offer some of the best boat and RV loan interest rates around.

Our boat and RV loans offer:
  • Low fixed rates on new and used boats and RVs
  • Up to 100% financing
  • Flexible boat and RV loan terms, up to 180 months based on amount financed
  • The ability to leverage any equity in your boat or RV to pay off higher-rate debt elsewhere

If you are unsure how much your budget can afford, check with us before you start shopping. Apply online today and we’ll provide you with a pre-approval so you know how much you can afford to spend.

Boat & RV Loan Interest Rates

Boat & Large RV Loan
Effective Date: Monday, November 11th, 2019
Boat, Motor Home, Travel Trailer, & Horse Travel Trailer (with self-contained living quarters)
Loan TypeAgeMinimum or MaximumFixed APR As Low AsTerm
New/Used Boat or RV 2016-2020   4.24% Up to 60 Months
New/Used Boat or RV 2016-2020 $10,000 Min 4.24% Up to 84 Months
New/Used Boat or RV 2016-2020 $20,000 Min 4.49% Up to 120 Months
New/Used Boat or RV 2016-2020 $25,000 Min 4.74% Up to 144 months
New/Used Boat or RV 2016-2020 $35,000 Min 4.99% Up to 180 months
Used Boat or RV 2011-2015   4.49% Up to 60 Months
Used Boat or RV 2011-2015 $10,000 Min 4.74% Up to 84 Months
Used Boat or RV 2011-2015 $20,000 Min 4.99% Up to 120 months
Used Boat or RV 2011-2015 $25,000 Min 5.24% Up to 144 months
Used Boat or RV 2011-2015 $35,000 Min 5.49% Up to 180 months
Used Boat or RV 2010 & Older   6.49% Up to 60 Months
Used Boat or RV 2010 & Older $10,000 Min 6.49% Up to 84 Months
Used Boat or RV 2010 & Older $20,000 Min 6.99% Up to 120 months
Used Boat or RV 2010 & Older $25,000 Min 6.99% Up to 144 months
Used Boat or RV 2010 & Older $35,000 Min 7.24% Up to 180 months

Example: A loan amount of $50,000 with a rate as low as 4.49% for 60 months would have an approximate monthly payment of $931.92. 

APR = Annual Percentage Rate

Rate and term may vary based on credit score.

Power Sport & Small RV
Effective Date: Monday, November 11th, 2019
Motorcycle<700cc, ATV, Golf Cart, Jet Ski, Mower, Snowmobile, Tractor, Utility Trailer
Loan TypeAmount FinancedFixed APR As Low AsTerm
New / Used   4.49% Up to 36 Months
New / Used   4.99% Up to 48 Months
New / Used   5.99% Up to 60 Months
New / Used $25,000 Min. Loan Amount 6.49% Up to 120 Months

Example: A loan amount of $7,500 with a rate as low as 5.24% for 60 months would have an approximate monthly payment of $142.36. 

APR = Annual Percentage Rate

Rate and term may vary based on credit score.

How to Apply for a Boat or RV Loan

If you’re interested in applying for a boat or RV loan at LOC and want to get pre-approved, you can visit any one of our branches, apply online, or you can give us a call at 800.837.4562

apply Online

Testimonial

Their Dreams. Our Ideas.

LOC saved me close to $1,000 in interest on my camper loan. The process was quick & Barb at the Hartland branch was awesome! Barb is an asset to LOC as she is a wealth of information about LOC products and services and always puts customer service as her top priority! Way to go LOC and way to go Barb!

Jean and LOC

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