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Recreational Vehicle Loans

"I recently had the pleasure of dealing with Centricity for a boat loan. I opened an application on your website, was contacted promptly and everything was executed hassle free. Dawn was a pleasure to work with, I could not have been more satisfied with the whole process."
- Anonymous Member

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Better Weekends

We give you the financing options to turn your hard work into better weekends. Our recreational vehicle loans help you afford every kind of vehicle: boats, motor homes, trailers, motorcycles, snowmobiles, and ATVs. Local lending and customizable terms help you get a loan that makes sense for your budget and a vehicle that makes sense for your lifestyle.

All kinds of recreational vehicles

Affordable financing options

Terms that work for your budget

Local and trusted lending source

Refinance up to 100% of a different loan

Estimate how low your payment could be

Calculations do not guarantee credit approval.

Monthly Payment

Loan Amount

Rate

Term Months

Get pre-approved

Getting pre-approved for a loan before looking for a vehicle saves time and energy so you’ll know exactly how much you’re able to spend.

Apply Online

Apply right now from your computer. It takes 5 minutes.

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Apply by Calling

Apply over the phone with a friendly member specialist.

Call us

Apply in Person

Apply from a cozy lobby at any of our branches.

Come see us

Frequently Asked Questions

Yes! Try our online Loan Payment Center or log in to Online Banking from our website and conveniently transfer your payment from your savings or checking accounts.
- Use our online Loan Payment Center
- Stop at any branch and drop off cash or check with a Member Service Representative or use the night drop box
- Mail a check to any of our 3 branches
- Set up a payment with Bill Pay through our Online Banking from your primary financial account
- Account to Account electronic transfers – If you have more than one Centricity account set up in Bill Pay, you can transfer money between them
- Set up an ACH transfer with your primary financial directly to your Centricity loan
- Set up automatic payments from your Centricity account directly to your loan
- Use Online Banking to make a payment
*If you need to make changes to your current payment method, please call our Lending Department at 218-729-7733.

Vehicles to experience the world differently

Whether its the next boat or your first motorcycle, we're ready to help you find a financing option that fits your lifestyle.

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Rates

New Recreational Vehicle Loan Rates

Rates effective as of: March 6, 2026

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

Up to 120% financing available up to 72 months term. 100% financing on extended terms. 2008 and Newer Loan to Value based on NADA Retail.

Examples: Travel Trailers, Boats, Motor Homes, Recreational Vehicles (including ATV's, Snowmobiles, Motorcycles, Jet Skis)

APR = Annual Percentage Rate.

Used Recreational Vehicle Loan Rates