Credit Union Recreational Loans for Boats, RVs & Motorcycles

Finance your next boat, RV, motorcycle, or powersport with a P1FCU Recreational Loan. Compare current rates and available terms for eligible new and used vehicles, estimate your payment, and apply when you are ready to get started.

  • Loans for new and used recreational vehicles.
  • Boat, RV, motorcycle, and powersport options.
  • Affordable fixed interest rates.
  • Up to 72 months financing4,7 for powersports, such as motorcycles, all-terrain vehicles, snowmobiles, personal watercraft, horse and utility trailers.
  • Up to 180 months financing4,7 for recreational vehicles, such as boats, motor homes, travel trailers, campers, and living quarters horse trailers.
  • Online loan application

Choose Your Recreational Loan

Boat Loans
We offer financing for eligible new and used boats. Age and mileage may affect terms.
 
RV Loans
We offer financing for eligible new and used motor homes, travel trailers, campers, fifth wheels, and other approved recreational vehicles. Age and mileage may affect terms.
 
Motorcycle Loans
We offer financing for eligible new and used motorcycles. Age and mileage may affect terms.
 
Powersport Loans
We offer financing for eligible new and used powersports. Age and mileage may affect terms.
Powersports include
  • ATVs
  • UTVs
  • Snowmobiles
  • Jet skis or personal watercraft (require a trailer)
  • Utility trailers
  • Other approved powersports

Current Recreational Loan Rates and Terms

Recreational Vehicle
Including boats, motor homes, travel trailers, fifth wheels, campers, and similar items.
 
Term APR3
Up to 180 Month Term as low as 7.24%3,7
Up to 144 Month Term as low as 7.24%4,7
Up to 60 Month Term as low as 6.99%5,7
Effective 01/06/2026
 
Used Recreational Vehicle:  To qualify for this LTV, collateral must be 7 years old or newer.
Terms available up to 180 months.
 

Motorcycle and Powersports
Including motorcycles, ATVs, UTVs, snowmobiles, and jet skis.

Term APR3
Up to 60 Month Term as low as 6.99 %1,7
Up to 72 Month Term as low as 6.99%2,7
Effective 01/06/2026
 
Used Vehicle: To qualify for this LTV collateral must be 9 years old or newer.
Terms available up to 84 months.
 
Your approved APR and available repayment term depends on the recreational vehicle, loan amount, collateral age, creditworthiness, and other underwriting factors. Advertised rates represent starting APRs and may not reflect the final terms approved for every borrower.
 
 
Apply Now

New and Used Recreational Vehicle Financing

P1FCU currently offers recreational financing for eligible new and used vehicles. The rates, terms, and maximum loan-to-value available may differ based on the age and type of collateral.

Estimate your recreational loan payment

Enter the amount you expect to borrow, select an estimated APR based on the current P1FCU rate table, and choose a potential loan term to estimate your monthly payment.5 Calculator results are illustrative and do not represent a credit decision or guaranteed loan terms.

Recreational Loan Eligibility and Insurance Requirements

Recreational loans are subject to P1FCU membership, credit approval, collateral requirements, and other criteria. Vehicle type and age may also affect available rates and terms.
 
RV Insurance

When you have an RV loan with P1FCU, you must carry full coverage insurance that includes comprehensive and collision coverage at all times.

Deductibles must be $1000 or less, and P1FCU must be listed as the lienholder or loss payee.

Submit proof of insurance by:

Boat insurance

When you have a boat loan with P1FCU, you must carry full coverage insurance that includes comprehensive and collision coverage at all times.

Deductibles must be $1000 or less and P1FCU must be listed as the lienholder or loss payee.

Submit proof of insurance by:

Motorcycle and ATV insurance

When you have a Motorcycle or ATV Loan with, P1FCU it is required that you carry full coverage insurance that includes comprehensive and collision coverage. 

Deductibles must be $1000 or less, and P1FCU must be listed as the lienholder or loss payee.

Submit proof of insurance by:

 

Finance a Recreational Vehicle Purchase or Refinance

Buying a recreational vehicle
We can help finance both new and used recreational vehicles purchased from dealerships or private parties. 


Refinancing an existing recreational vehicle loan
Whether you're looking for a new rate, lower payment, different term, or want to bring your loan to us, refinancing may be an option. Keep in mind that it may not reduce the total cost of your loan. 


Refinancing Questions

  • There is no minimum amount of time required to have the existing loan open before applying.
  • P1FCU refinances its own existing recreational vehicle loans. However, depending on the reason, it may not require a full refinance. Speak to a loan officer to talk about different options.
  • There are no requirements for vehicle age or mileage, but both factors could affect the rate.
  • Depending on the situation, title and payoff documentation may be required. 
  • Cash-out refinancing is available.
  • The applicable fees or title costs depend on the purchase type and state. 
 

Why Choose a P1FCU Recreational Loan?

Competitive financing
P1FCU offers low rates, flexible terms, and payment options based on approved loan terms.

Local lending support

As a P1FCU member, you have access to P1FCU Branches, Video Banking, and our member-support channels.

Simple application process

You can fill out a Recreational Vehicle Loan Application online. Once the application is complete, it will be submitted to our lending team for approval, and you will be notified of your term and rates upon approval. Please note that notification of approval or non-approval can vary. 

Member-focused service

With our member-owned structure and commitment to putting our members first, you will receive personalized, relationship-focused service. 

 

How to Apply for a P1FCU Recreational Loan

  • Review our current rates and estimate a comfortable payment.
  • Gather identification, income, housing, and vehicle information.
  • Submit an online application, speak to a loan specialist, or visit one of our branches.
  • Once processed and approved, review the approved amount, annual percentage rate, terms, and conditions.
  • Complete title, insurance, and funding requirements.

Protect and Manage Your Recreational Loan

Your Recreational Vehicle Loan is an important financial commitment, and having the right resources can help you protect your investment and manage your loan with confidence. From coverage that can help protect you from unexpected expenses to convenient tools for making payments, P1FCU offers resources to help you throughout the life of your loan. 



We finance boats, motor homes, travel trailers, campers, motorcycles, ATVs, UTVs, snowmobiles, personal watercraft, utility trailers, and other eligible power sports.


Yes. P1FCU offers financing on eligible boats and watercraft. Available rates and terms depend on the vehicle, loan amount, and creditworthiness.   


Yes. P1FCU currently finances eligible motor homes, travel trailers, campers, fifth wheels, and other recreational vehicles. Available rates and terms depend on the vehicle, loan amount, and creditworthiness.   


Yes. P1FCU currently finances eligible motorcycles. Available rates and terms depend on the vehicle, loan amount, and creditworthiness.   


P1FCU offers Recreational Vehicle Loan Terms that may be available up to 180 months and powersports terms may be available up to 84 months. 


P1FCU currently offers recreational financing for eligible new and used vehicles. The rates, terms, and maximum loan-to-value available may differ based on the age and type of collateral. 


The advertised APR is a starting rate. Your approved APR may vary based on creditworthiness, collateral, loan amount, term, and other underwriting factors.


When you have a Boat Loan with P1FCU, you must carry full coverage insurance that includes comprehensive and collision coverage at all times.

Deductibles must be $1000 or less and P1FCU must be listed as the lienholder or loss payee.

Submit proof of insurance by:



When you have a Motorcycle or ATV Loan with P1FCU it is required that you carry full coverage insurance that includes comprehensive and collision coverage. 

Deductibles must be $1000 or less and P1FCU must be listed as the lienholder or loss payee.

Submit proof of insurance by:



Yes, subject to collateral and underwriting requirements. Whether you're looking for a new rate, lower payment, different term, or want to bring your loan to us, refinancing may be an option. Keep in mind that it may not reduce the total cost of your loan. 



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Loans

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 digital banking. 
1Payment Example – New or Used Powersports of $30,000 for 60 months at 6.99% APR will have a monthly payment of $511.33.
2Payment Example – New or Used Powersports of $30,000 for 72 months at 6.99% APR will have a monthly payment of $511.33.
3Payment Example – New or Used Recreational Vehicle of $30,000 for 180 months at 7.24% APR will have a monthly payment of $273.69.
4Payment Example – New or Used Recreational Vehicle of $30,000 for 144 months at 7.24% APR will have a monthly payment of $273.69.
5Payment Example – New or Used Recreational Vehicle of $30,000 for 60 months at 6.99% APR will have a monthly payment of $273.69.
6APR - Annual Percentage Rate.
7All 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.
8Information 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.
9Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.