Boat, RV, and Recreational Loans
In the market to have a little fun?
With loans for boats, RVs — and everything in between — we’ll find the option that’s right for you and fits the way you want to get outdoors.
Many ways to play. One bank.
Here in the Northwest, outdoor recreation is part of everyday life. That’s why we specialize in boat, RV, and recreational loans and look for ways to get you the keys to your next adventure, on the road or the water.
Boats and personal watercraft.
Finance a boat or watercraft for weekends, fishing trips, and time on the water.
RVs and campers.
Find an RV loan for a camper or recreational vehicle built for your next getaway.
Motorcycles.
Finance the motorcycle you've been looking at and get out on the road.
Travel trailers and fifth wheels.
Finance a travel trailer or fifth wheel for road trips and longer stays.
Toy haulers.
Finance a toy hauler built to bring your recreational vehicles along.
ATVs, UTVs, and snowmobiles.
Find financing for ATVs, UTVs, snowmobiles, and other off-road vehicles.
Understanding your recreational loan.
Whether you're buying a boat, RV or toy, your monthly payment depends on several factors, including the purchase price, down payment, interest rate, and loan term. Understanding each can help you chose financing that fits your budget.
The amount you provide toward the purchase lowers the amount you need to borrow. A larger down payment may also lower your monthly payment.
Loan amount.
Also called principal, your loan amount is generally the purchase price minus your down payment and any trade-in value applied to the purchase.
Interest.
This is the cost of borrowing money and is included in your monthly payment.
Loan term.
Your loan term is the amount of time you have to repay the loan. A longer term may result in a lower monthly payment, but can affect the total amount you pay over time.
How to apply for a boat, RV, or recreational loan.
Whether applying in person, over the phone, or online, we make applying easy. Our knowledgeable bankers will take the time to walk you through the process and find the best solution to fit your needs.
Submit your application.
Apply online, call us at 800.788.4578, or visit a location near you.
Provide supporting information.
You may be asked to provide:
- Proof of income.
- Purchase price and vehicle information.
- Down payment amount.
- Trade-in information (if applicable).
Close on your loan
Once everything is complete, close on your loan and use the loan amount to pay the seller for your boat, RV, or recreational vehicle.
Boat, RV, and recreational loans with local support.
We know banking and your neighborhood. As the oldest and largest privately held commercial bank in the Northwest, we pride ourselves on our local teams who are ready to serve their communities.
Our bankers know that your needs are unique. Whatever your situation, we have the wisdom, talent, and knowledge to find the right option for you.
- Automatic payments.
- Competitive interest rates.
- Flexible loan terms.
- Online access to your account.
- Local decision making.
Thinking about a boat, RV, or other recreational vehicle loan?
Find answers to common questions about boat, RV, and recreational loans so you know what to expect before you apply.
Can I get pre-qualified before selecting a boat, RV, or other recreational vehicle?
Yes. Getting pre-qualified before shopping can help you better understand your financing options. Final approval is subject to the value and eligibility of the vehicle chosen.
How long does the approval process take?
Approval times may vary. Please contact your local branch or call us at 800.788.4578 for current processing timelines.
Can I apply with a co-borrower?
Yes. You may apply with a co-borrower.
When are funds available?
Loan funds are typically disbursed once all required loan documents have been signed and the loan has been finalized.
Can I pay off the loan early?
Yes. You may pay off your loan early at any time with no penalty.
What are some additional costs associated with boats, RVs, and other recreational vehicles?
Boats, motorcycles, RVs, and more involve a bigger cash outlay than just the purchase price. Get the Real Costs Before Buying Big Toys explains why it’s important to budget for expenses like insurance, licensing, storage, and more.
Explore other
financing options.
Looking for financing for a different purchase, project, or financial need? Take a look at additional borrowing options below.
Personal
Loans
Borrow for planned purchases, unexpected expenses, and other personal financial needs.
Auto
Loans
Finance a new or used vehicle with flexible loan options for your next purchase.
Home Equity Financing
Use the equity in your home for larger expenses, projects, or other financial needs.
Important information:
*Subject to credit approval and must meet eligibility requirements.