RV parked along a country road with an ATV and snowmobiles on a trailer, overlooking golden autumn fields and rolling hills at sunset.

Finance Your Next Adventure

Whether you're hitting the trails, exploring the water, or planning your next getaway,
we can help you finance the recreational or off-road vehicle that fits your lifestyle.
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Financing Your Next Adventure Starts Here 

From ATVs and UTVs to boats, personal watercraft, snowmobiles, campers, and RVs, financing your next recreational or off-road vehicle should be simple. Service Credit Union offers flexible financing options, straightforward terms, and local support to help you get where you want to go.

Why Members Choose Service Credit Union

Here's what you can count on when financing a recreational or off-road vehicle with Service Credit Union: 

  • Flexible Financing Options – Choose loan terms that fit your budget and plans. 
  • Straightforward Financing – No hidden fees or surprises. 
  • Support You Can Rely On – Real guidance from people who put members first. 
  • Financing for a Variety of Vehicles – Explore financing options for recreational and off-road vehicles, including boats, campers, ATVs, UTVs, snowmobiles, personal watercraft, and more. 

Ready to see what your financing options could look like? 

Contact Us

Recreational and Off-Road Vehicle Loan Rates

Contact Us to Get Started
Vehicle Type Rates Starting At:
ATVs, Personal Water Vehicles, Snowmobiles 8.84% APR**
UTVs 8.84% APR**
RVs/Campers 10.24% APR*
Boats 10.24% APR*
Vehicle Type
ATVs, Personal Water Vehicles, Snowmobiles
Rates Starting At:
8.84% APR**
UTVs
Rates Starting At:
8.84% APR**
RVs/Campers
Rates Starting At:
10.24% APR*
Boats
Rates Starting At:
10.24% APR*

More Than Just a Loan

Transparent & Trustworthy

Transparent & Trustworthy

Clear terms and straightforward financing, so you know what to expect before your next adventure.
Tailored to You

Tailored to You

Loan terms designed to fit your budget, your plans, and your pace of adventure.
Your Financial Partner

Your Financial Partner

From your first trip to your next great adventure, we'll be with you along the way.
Contact Us

Recreational and Off-Road Vehicle Loans FAQs

What is my next step?

For recreational and off-road vehicles, including ATVs, UTVs, personal watercraft, snowmobiles, RVs, campers and boats, please visit a branch or contact us to discuss your financing options and begin the application process.

Call us or visit a branch to get started today.

 
Are there any prepayment penalties?
No. Pay off your loan early with no fees or penalties.
How long does the approval process take?
Most applicants receive a decision quickly, often the same day. Timing can vary by application.
Can I finance a used vehicle?
Yes. Service Credit Union offers auto loans for new and used vehicles.
Do I have to be a member to apply?
Yes, Service Credit Union membership is required to apply for an auto loan. Not a member yet? Joining is easy. Begin your application now.
*Rates shown are Annual Percentage Rate (APR), accurate as of 2/12/2026 and subject to change without notice. Rates advertised with a .75% reduction. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 10.99% APR less .75% = 10.24%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The collateral age and loan term may impact the APR offered. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Cannot be combined with any other offer. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

**Rates shown are Annual Percentage Rate (APR), accurate as of 2/12/2026 and subject to change without notice. Rates advertised with a .75% reduction. The .75% reduction is available for the Direct Deposit+ checking account tier (example: 9.59% APR less .75% = 8.84%). Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The collateral age and loan term may impact the APR offered. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. Floor rate may apply. Cannot be combined with any other offer. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.