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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
    How much is the vehicle you want?
    $
    How's your credit?
    How's your credit?
    How many months do you want the loan for?
    How many months do you want the loan for?

    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

    You might also be interested in…

    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: 06-30-2022

    New Recreational Vehicle Loan Rates

    Term APR
    Up to 36 Months As Low As 3.49%
    37-72 Months As Low As 4.24%
    73-96 Months As Low As 5.49%
    97-144 Months (Minimum $20k) As Low As 5.99%
    145-180 Months (Minimum $25k) As Low As 7.49%

    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

     

    Rates Effective as of: 06-30-2022

    Used Recreational Vehicle Loan Rates

    Term APR
    Up to 36 Months As Low As 4.49%
    37-72 Months As Low As 5.24%
    73-96 Months As Low As 6.49%
    97-144 Months (Minimum $20k) As Low As 6.99%
    145-180 Months (Minimum $25k) As Low As 8.49%

    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.

    Vehicles > 8 years add 2.00% to rate

  • FAQs

    Frequently Asked Questions

    • 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
    • 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
    *If you need to make changes to your current payment method, please call our Lending Department at 218-729-7733
    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.