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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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  • Overview

    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

     

    Step 1

    Estimate how low your payment could be

    Calculations do not guarantee credit approval.

    Test Drive Your Payment

    Estimate Your Monthly Payment
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    Step 2

    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.

    Step 3

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    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.

    Pre-Approve Online
  • Rates
    Rates Effective as of: 10-30-2020

    Recreational Vehicle Loan Rates

    Term APR
    Up to 36 Months As Low As 3.99%
    37-72 Months As Low As 4.49%
    73-96 Months As Low As 5.24%
    97-120 Months (Minimum $25k) As Low As 5.99%
    121-180 Months (Minimum $30k) As Low As 7.74%

    Up to 120% financing available up to 72 months term. 100% financing on extended terms.72 month financing at 4.99% A.P.R equals $16.10 per $1000.00 financed. 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. Rates effective as on September 26, 2018. To apply, view our loans page.

    Rates Effective as of: 10-30-2020

    Rec Vehicle Loan Special

    Up to 36 MonthsAs low as 3.74%
    37-72 MonthsAs low as 3.74%

    RATES/TERMS APPLY ONLY TO COLLATERAL 8 MODEL YEARS OLD AND NEWER. COLLATERAL OVER 8 MODEL YEARS OLD ADD 2.00% TO THE RATE, COLLATERAL OVER 10 MODEL YEARS OLD WILL BE REVIEWED FOR LTV’S & TERMS AVAILABLE.
    LTV for New 110% of MSRP – LTV for Used up to 10 model years old 125% of NADA retail, over 10 model years old 100% of NADA retail.
    LTV’s include Tax, Title, Warranty, Gap, and additional products sold. Additional product not to exceed 15% of loan amount.

  • FAQs

    Frequently Asked Questions

    Yes! Just log in to Online Banking from our website and conveniently transfer your payment from your savings or checking accounts.