Recreational Loans
Count on us to be by your side throughout the entire process, whether you're financing a Boat, Motorcycle, or RV, ensuring you secure the loan you need while maximizing your savings.
Or you can call us at (888) 261-8328.
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Don't Lose Money at the Dealership
Discover peace of mind in just three easy steps as you navigate the search for your dream boat, motorcycle, or RV—whether it's new or used.
COMPARE
Find the perfect loan rate for your boat, motorcycle, or RV.
CONNECT
Our team is ready to guide you through your options and kick off the process.
SAVE
Get approved and confidently show for your new or used boat, motorcycle, or RV.
Step 1: Compare Boat, Motorcycle or RV
Rates effective as of April 20, 2026
Rates as Low as
5.69% APR*
New Boat LoanVarious terms available with minimum loan amounts required. Other conditions may apply.
6.49% APR*
New Motorcycle LoanVarious terms available with minimum loan amounts required. Other conditions may apply.
8.24% APR*
New RV LoanVarious terms available. Minimum loan amount required. Other conditions may apply.
5.69% APR*
Used Boat LoanVarious terms available with minimum loan amounts required. Other conditions may apply.
7.49% APR*
Used Motorcycle LoanVarious terms available with minimum loan amounts required. Other conditions may apply.
8.24% APR*
Used RV LoanVarious terms available. Minimum loan amount required. Other conditions may apply.
Step 2: Connect With Us
Contact us to get things started! Our team of experts is here to help you explore your options, answer any questions, and guide you every step of the way. Whether you're just starting to plan or ready to move forward, we’re ready to help make your boat, motorcycle, or RV dreams a reality.
Call us at (888) 261-8328
Step 3: Get Approved and Start Saving
Wary of sneaky dealership financing tricks? They could end up costing you big bucks! But don't fret—take a mere ten minutes to get approved, and you'll shop with peace of mind, securing the best deal for your boat, motorcycle, or RV loan.
Get Answers to Common Recreational Loan Questions
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Frequently Asked Questions
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How Long Does Approval Take on a Boat, Motorcycle or RV Loan Application?
It takes less than ten minutes to apply for a boat, motorcycle or RV loan. In most cases, you will receive an answer within 24 hours regarding the status of your loan. It can sometimes take a bit longer depending on your credit profile or if additional information is required.
Check the status of your loan application -
Can I Apply for a Boat, Motorcycle, or RV Loan if I Haven’t Found the One I Want Yet?
Yes. In fact, we recommend you get pre-approved for your boat, motorcycle or RV loan. Getting pre-approved helps you shop with confidence knowing you are getting the best deal for your loan and protects you from sneaky dealership financing tricks that can cost you thousands of dollars.
Get pre-approved for your boat, motorcycle or RV loan in less than 10-minutes. -
Do You Offer Guaranteed Asset Protection (Gap)?
YES - Guaranteed Asset Protection (GAP) is offered. Talk to your TFCU Loan Representative for program eligibility, details and benefits.
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Do You Offer Mechanical Breakdown Protection?
YES - Mechanical Breakdown Protection is offered. Talk to your TFCU Loan Representative for program eligibility, details and benefits.
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Do You Offer Payment Protection Plans for Boat, Motorcycle or RV Loans?
Yes. Payment Protection is available. Talk to your TFCU Loan Representative for program eligibility, details and benefits.
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Helping Others Feel Good About Banking
Awesome staff was very helpful and very informative and very knowledgeable about the process of getting a loan. Mr. Kenston was an amazing person to talk to about the loan I’m grateful to have been able to talk with him. Great job!
William
Miami Gardens, FL
The service at Tropical Finance is excellent . I had the opportunity of being helped by Miss Sofia, she made me feel home, thanks for your extraordinary service. You deserve a 10 overall 👍
Maria
Kendall, FL
Went in on a fraud situation and was extremely stressed out. Jaysonna jumped right in and helped rectify the issue quickly, calmly and most efficient. Great customer care experience.
Monique
Ft Lauderdale, FL
Disclosures
*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 will deposit the $1 minimum requirement to open your account. 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.
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 5 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: $50,000 loan amount at 8.24% rate 180 months payments of approximately $484.99
*Other restrictions may apply. Rates and offers may change or be removed at any time without notice.