Vehicle Financing Options $10,000 to $200,000

When considering the purchase of motorcycles, boats, or recreational vehicles (RVs), it is important to receive the right financing options. Our Specialized lenders provide loans for these types of vehicles. The specifics of each loan including interest rates and repayment terms can differ greatly depending on the type of vehicle and the amount being borrowed.

Current Loan Rates (March 2026) - Rates are often tiered based on the loan amount, term length, and the borrower's credit score. 

• Motorcycle Loans: Rates typically range from 6.49% to 13.00% for 36 to 84 months.
• Boats & Watercraft: New boat rates start as low as 5.69%. Terms can extend up to 240 months (20 years) for larger loans.
• RVs & Campers: Rates generally start at around 6.24% to 8.24%. Extended terms of up to 240 months are common for high-value units. 

KEY Notes for a secure loan below.

1. Down Payment: While 100% financing is sometimes available, many lenders require a down payment or limit financing to a percentage of the retail value (90-95%).
2. Pre-approval: We recommend a pre-approved proposal from us before visiting a dealer to strengthen your negotiating position and understand your budget.
3. Discounts: Our lenders offer 0.25% to 0.50% APR discounts for setting up automatic payments.
4. Application Essentials: All we need is the vehicle's VIN, make, model, year, and mileage, along with proof of income and employment.