Financing Your RV or Boat

What information do I need to apply?

At the time of application, you’ll be asked for the following information:

Name and address
Date of Birth
Social Security Number (consumers)/Tax Identity Number (businesses)
Member number (or membership eligibility)
Income and Employment
Co-signer or co-borrower information, if applicable

*Note: A credit report is required to complete an application. By submitting an application, you are voluntarily agreeing to a credit report inquiry.

What types of recreational vehicles can I finance with BCU?

What is the difference between a co-borrower and a co-signer?

A co-borrower is considered a joint applicant. This person shares household expenses and income with the primary borrower and agrees to be equally responsible for repayment of the loan. As a result, both applicants’ income and credit profiles are used to support approval of the loan. A co-borrower must be an active BCU member.

A co-signer is also responsible for repayment of the loan in the event the primary borrower defaults on repayment of the agreed loan terms. However, the loan terms are determined solely by the primary borrower’s qualifications.

How much would I be approved for?

Do you provide counteroffers?

Will the dealership let me take the vehicle home without same day payment?

How are interest rates determined?

Can you give me more information about my pre-approval?

After you complete your loan application, you will receive a pre-approval email with next steps. A loan associate will follow up within one business day to discuss loan terms including interest rates, payment options, and loan amount.

Once a pre-approval is determined, it is valid for 90 days. If the variables used to determine the pre-approval change, the pre-approval terms may change as well. You can apply for a recreational vehicle loan before having decided on a specific vehicle, and your pre-approval is not specific to one recreational vehicle.

Can I purchase from a private party/individual?

What is the process if I have a pre-approval letter and I want to make a vehicle purchase over the weekend or after Credit Union hours?

Where can I find additional information?

We are happy to provide additional guidance and answer your questions! Please give us a call at 888-389-8344. Our Consumer Loan business hours are Monday through Friday 7:30 a.m. to 6:00 p.m. CST. If you are ready to apply, please click here to be directed to our online loan application to apply at your convenience or call us at 888-389-8344 to apply via phone 24/7, and you’re always welcome to visit us at your local Branch. Once your application is complete, an Auto Loan Experts will contact you within one business day to review the status of your application.

What are Rewards Rates?

Rewards Rates let you earn more on your deposits and/or save more on your loans. To qualify for a 1.00% Rewards Member rate discount on your auto loan, you must have two of the following relationships:

a. Direct Deposit of at least $1,000 per month into a checking account at the Credit Union
b. At least $25,000 on deposit
c. A qualifying loan in good standing, including: Mortgage, Home Equity, Auto, or Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or is delinquent will disqualify you for Rewards Rates.

What are the vehicle eligibility requirements?

Are there any fees?

What are the available loan terms?

BCU offers a wide range of loan repayment options with terms up to 75 months (up to 84 months for new recreational vehicles). Balloon term options are also available for specific vehicle types if you’re looking to keep your payment low, or if you’re planning to own the recreational vehicle for a few years. You will be assigned a loan associate who will work with you to find the repayment options you are qualified for and best suited to your individual needs.

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Financing Your RV Or Boat

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Easy Financing For Your Next Adventure

Today’s Lowest Recreational Vehicle Rate

Get going with:

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How much could my RV loan payments be?

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Frequently Asked Questions

What information do I need to apply?

What types of recreational vehicles can I finance with BCU?

What is the difference between a co-borrower and a co-signer?

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Financing Your RV Or Boat

Get going with:

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How much could my RV loan payments be?

Frequently Asked Questions

What information do I need to apply?

What types of recreational vehicles can I finance with BCU?

What is the difference between a co-borrower and a co-signer?

How much would I be approved for?

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Do you provide counteroffers?

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Will the dealership let me take the vehicle home without same day payment?

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How are interest rates determined?

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Can you give me more information about my pre-approval?

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Can I purchase from a private party/individual?

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What is the process if I have a pre-approval letter and I want to make a vehicle purchase over the weekend or after Credit Union hours?

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Where can I find additional information?

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What are Rewards Rates?

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What are the vehicle eligibility requirements?

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Are there any fees?

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What are the available loan terms?

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What is Loan-to-Value?

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How much would I be approved for?

Do you provide counteroffers?

Will the dealership let me take the vehicle home without same day payment?

How are interest rates determined?

Can you give me more information about my pre-approval?

Can I purchase from a private party/individual?

What is the process if I have a pre-approval letter and I want to make a vehicle purchase over the weekend or after Credit Union hours?

Where can I find additional information?

What are Rewards Rates?

What are the vehicle eligibility requirements?

Are there any fees?

What are the available loan terms?