Recreational Lending

Planning your next adventure? We'll help you get there.

Sometimes we just need to kick back and leave it all behind. We offer affordable loans for vehicles that can send you skimming across the water, zipping down the highway, buzzing along a backwoods trail, or simply exploring the Northwest at a leisurely pace.

  • Loans for new and used vehicles.
  • Affordable fixed interest rates.
  • Up to 72 months financing1 for powersports, such as motorcycles, all-terrain vehicles, snowmobiles, personal watercraft, horse and utility trailers.
  • Up to 180 months financing2 for recreational vehicles, such as boats, motor homes, travel trailers, campers, and living quarters horse trailers.


Term APR3
Up to 60 Month Term as low as 8.55%1,4
Up to 72 Month Term as low as 9.49%1,4
Effective 02/26/2024
Used Vehicle: To qualify for this LTV collateral must be 9 years old or newer.
Terms available up to 84 months.

Recreational Vehicle

Term APR3
Up to 180 Month Term as low as 8.79%2,4
Up to 144 Month Term as low as 8.79%2,4
Up to 60 Month Term as low as 8.54%2,4
Effective 02/26/2024

Used Recreational Vehicle:  To qualify for this LTV collateral must be 7 years old or newer.
Terms available up to 180 months.

How much will my payment be?

Use this calculator to estimate how much your monthly payment will be. Put in how much you plan to borrow, and use the rates from the table above to see an estimate of your new loan's monthly payment.5

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Estimate your payment

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We offer several loan options to meet your needs. Explore your options today.
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Auto Loans

Get on the open road today with our affordable and flexible financing.

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Online Loan Payment

Easily make your loan payment online without having to log into your online banking. 
1Payment Example – New or Used Powersports of $30,000 for 72 months at 9.49% APR will have a monthly payment of $548.09.
2Payment Example – New or Used Recreational Vehicle of $30,000 for 180 months at 8.79% APR will have a monthly payment of $300.54.
3APR - Annual Percentage Rate.
4All loans are subject to P1FCU membership, credit approval and other underwriting criteria. Rates are based on creditworthiness and other factors, and may be higher than the lowest rate advertised. Loan program rates, terms, and conditions are subject to change without notice.
5 Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.