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Florida Boat, Motorcycle and RV Loan Rates

Compare Tropical Financial Credit Union's best boat, motorcycle, and RV loan rates.

Rates effective September 26, 2022  

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Boat Loan Rates

New Boat Loan

Rates as low as

4.84%
APR*
Payment Period and Loan Amount:
Various terms available with with minimum loan amounts required. Other conditions may apply. 
Used Boat Loan

Rates as low as

4.84%
APR*

Payment Period and Loan Amount:
Various terms available with with minimum loan amounts required. Other conditions may apply. 

Motorcycle Loan Rates

New Motorcycle Loan

Rates as low as

3.74%
APR*
Payment Period and Loan Amount:
Various terms available with with minimum loan amounts required. Purchase transactions only. Other conditions may apply. 
Used Motorcycle Loan

Rates as low as

3.74%
APR*

Payment Period and Loan Amount:
Various terms available with with minimum loan amounts required. Purchase transactions only. Other conditions may apply. 

Recreational Vehicle Loan Rates

New RV Loan

Rates as low as

5.84%
APR*
Payment Period and Loan Amount:
Various terms available.  Minimum loan amount required. Other conditions may apply. 
Used RV Loan

Rates as low as

5.84%
APR*
Payment Period and Loan Amount:
Various terms available.  Minimum loan amount required. Other conditions may apply. 

*APR = Annual Percentage Rate.

Eligibility for the lowest advertised rate is based on creditworthiness, year of vehicle, ability to repay, credit score, down payment, terms and loan to value. Other rates and terms may apply and your rate may differ based on the loan program, term of repayment and other factors. TFCU membership required with $5.00 minimum in savings. Member must reside in a state within TFCU lending area. Other conditions may apply. Rates and Offers are subject to change without notice. Current TFCU accounts must be in good-standing, not have any type of restrictions, and TFCU loans paid-to-date.

  • ** up to 84 month rate and term available for new motorcycle.  Minimum loan amounts and model year restrictions apply.
  • ** up to 72 month rate and term available for used motorcycle.  Minimum loan amounts and model year restrictions apply.
  • ** up to 180 month rate and term available for new and used RVs.  Minimum loan amounts and model year restrictions apply.
  • **up to 240 month rate and term available for new boats.  Minimum loan amounts and model year restrictions apply.
  • **up to 180 month rate and term available for used boats.  Minimum loan amounts and model year restrictions apply.

New Boats equals Current Year and Previous Two Years. Used Boats equals 10 years old or newer.  New Motorcycle equals Current Year and Previous Year. Used Motorcycle equals 8 years old or newer. New RVs equal Current Year and Previous Two Years. Used RVs equal 8 years old or newer.  RVs older than 9 years old considered on a case by case basis.

 No financing for Boats and RVs classified or used as a dwelling. . No financing for off-road dirt bikes.. Other collateral restrictions may apply.

Loan Example: $15,000 loan at 5.84% APR with 72 monthly payments of approximately $247.48

*90-day payment deferral subject to credit qualification. Interest will continue to accrue during the 90-day deferral period on the full amount borrowed beginning on the loan issue date. The accumulation of interest, with no payments being made to reduce the principal, will be added to the total repayment amount. If you have purchased disability, and/or life insurance any charges will continue to accrue for any deferred month, and the final loan payment will include such charges.  If you have purchased GAP insurance, please note that deferred payments may be excluded in the GAP coverage. Any deferred payments could be deducted from a GAP claim settlement, and you will be responsible for the remaining deficiency balance that may result. Other restrictions may apply. This offer may be removed at any time without notice.  Offer cannot be combined with any other offer.