Boat, Motorcycle, and Recreations Vehicle Loans
Get a boat, motorcycle, or RV loan and make your recreational dreams come true.
At ECU Boat, Motorcycle, and RV Loans are available with a repayment term up to 10 years as low as 8.40% interest. The rate and term vary based on the loan amount, age and type of collateral. Our guidelines are outlined below:
- Repayment terms up to 10 years based on the year of the vehicle and the loan amount.
- The percent of purchase order available for financing depends on the year of the vehicle or boat.
- Pre-approvals – bargain as if you had cash!
- NADA retail, trade-in and loan values available.
- NADA guides used to determine loan value for used vehicles or boats.
- GAP Protection-Protect yourself from having to pay thousands of dollars for the loss of collateral due to theft or accident.
- MRC (Mechanical Repair Coverage)-Protect yourself with an extended warranty from your Credit Union.
- Payment Protection-Have the security of your loan payments being made in the case of disability or death.
Current Rates:
| Loan Amount | Laon to Value Ratio | Details | Term | Rate |
| Up to $50,000 | 95% or less of MSRP or NADA retail Value | New and Used Up to 2 years old | Up to 48 months | 8.40% |
| $12,000 – $50,000 | 95% or less of MSRP or NADA retail Value | New and Used Up to 2 years old | Up to 60 months | 8.90% |
| $15,000 – $50,000 | 95% or less of MSRP or NADA retail Value | New and Used Up to 2 years old | Up to 72 months | 9.40% |
| $20,000 – $50,000 | 95% or less of MSRP or NADA retail Value | New and Used Up to 2 years old | Up to 96 months | 9.90% |
| $30,000 – $50,000 | 95% or less of MSRP or NADA retail Value | New and Used Up to 2 years old | Up to 120 months | 9.90% |
| up to $50,000 | 85% or less of MSRP or NADA retail Value | Used 3 – 4 years old | Up to 48 months | 8.90% |
| up to $50,000 | 75% or less of MSRP or NADA retail Value | Used 5 – 7 years old | Up to 36 months | 9.90% |
| up to $50,000 | 75% or less of MSRP or NADA retail Value | Used 8 – 10 years old | Up to 24 months | 12.90% |
**There is a $20.00 application fee for each applicant on all loan requests.
**There is a $55.00 title processing fee for vehicle loans.
**Other terms may be available. Rates are subject to change. Please contact ECU at (800) 382-2400 for details**
