Recreational Auto Loans

Go where it’s all fun and games.

Recreational Auto Loan 101

Adventure awaits, and we’re here to help you chase it down. Start up the recreational vehicle of your choice and get away with some of the lowest rates you’ll find.

Leave everything behind but the breeze.
Your next big (or mini) excursion begins with a Fortera RV loan. From jet skis and all-terrain vehicles (ATVs), to campers and motorhomes, we can help you get off the grid with low rates and flexible loan options for whatever floats your boat.

Motorcycle and Recreational Loan Rates

Type Term APR*
Type:
New
Term:
Up to 36 Months
APR*:
2.79% to 14.99%
Type:
New
Term:
Up to 60 Months
APR*:
4.99% to 14.99%
Type:
New
Term:
Up to 72 Months
APR*:
5.49% to 15.99%
Type:
New
Term:
Up to 84 Months
APR*:
6.49% to 8.24%
Type:
New
Term:
Up to 96 Months
APR*:
7.49% to 9.24%
Type:
Used (2018-2020)
Term:
Up to 36 Months
APR*:
2.99% to 15.24%
Type:
Used (2019-2021)
Term:
Up to 60 Months
APR*:
5.24% to 15.24%
Type:
Used (2019-2021)
Term:
Up to 72 Months
APR*:
5.74% to 16.24%
Type:
Used (2019-2021)
Term:
Up to 84 Months
APR*:
6.74% to 8.49%
Type:
Used (2017-2018)
Term:
Up to 60 Months
APR*:
5.49% to 15.49%
Type:
Used (2017-2018)
Term:
Up to 72 Months
APR*:
5.99% to 16.49%
Type:
Used (2017-2018)
Term:
Up to 84 Months
APR*:
6.99% to 8.74%
Type:
Used (2014-2016)
Term:
Up to 60 Months
APR*:
5.99% to 15.99%
Type:
Used (2014-2016)
Term:
Up to 72 Months
APR*:
6.99% to 17.24%
Type:
Used (2013 and older)
Term:
Up to 60 Months
APR*:
6.99% to 17.49%

*The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on the member's credit history and the term of the loan. Not all members will qualify for the best or lowest rate.

Lowest promotional APR based on credit worthiness and terms of 36 months or less. Loan to Value up to 110%.

Loan Benefits

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.

Goal setting made simple

Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.

Rest easy

With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.

Get by with a little help

Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.

More is merrier

Extra payments on loans are accepted anytime.

Set, forget, save

Auto Pay Advantage is a triple win. First, set up automatic loan payments from your Fortera account in just a few clicks. You’ll never miss a payment, and depending on your loan type, you might even snag a discount.

First time, right foot

First-time borrowers deserve a strong start. That’s why we’ll help you establish your credit history, no co-signer necessary. Borrow up to $10,000 toward a car or truck loan and drive off into the sunset knowing your first time borrowing experience is behind you.

Free ride

With our 90 Days No Pay policy, you can cruise through the first three months of your auto loan without making a payment.

Get Started

Go wild and apply for your recreational vehicle loan today.

Member Resources

Show me the quick links! These are the things we always seem to need and can never seem to find.

Credit Life, Disability, and Unemployment Protection
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Ensure that you and your loved ones are financially secure even if unplanned accidents happen. Add MEMBER'S CHOICE payment protection on your loan. The protection steps in when your family needs help making your loan payment should you become disabled due to a covered illness or injury, become unemployed, or pass away before paying off your loan.

Sorry to bring the mood down, but we've got to talk safety first. If you have a question or would like to add MEMBER'S CHOICE to your loan, email us and we will be happy to help.

Submit a Payment Protection Claim
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Need to submit a claim? No problem, we've got you covered. You can submit a claim at myclaim.cunamutual.com. If you have any questions, please text us at 931.431.6800 or email us at info@forteracu.com and we will be happy to help.

Document Checklist for New and Used Auto Loan Applications
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To verify your identity, we always ask that you come prepared with a government issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

In addition to identification, you will also need to bring:

  • Buyers order
  • Window sticker or invoice
  • Exact mileage
  • Proof of insurance with Fortera Credit Union listed as lien holder
  • Income verification

Have questions? Just email us.

Need a hand?

That's what we are here for! Give us a call and let's chat face-to-face.

Can I make additional payments on a Recreational Loan?
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Yes! You can make additional payments on your Recreational Loan.

What vehicles are covered with a Recreational Loan?
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We cover motor homes, travel trailers, boats, watercraft, and ATVs.

Can I get pre-approved for a Recreational Loan?
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Yes! We highly encourage our members to get pre-approved for a Recreational loan. When you are pre-approved, you are able to walk into a dealership and know exactly how much toy you can afford. Pre-approval puts purchasing power back in your hands and you control the conversation with the Dealer. Please give us a call at (931)431-2258 to get started.

Do you work with local dealers on Recreational Loans?
+

Yes! We have a large network of local dealers that we support and work with. To learn who is on our list, call us at (931)431-2258 and one of our team members will be happy to assist you. You can also email us at loans@forteracu.com.

Can I set up automatic transfers in Online Banking to pay for my Recreational Loan?
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Yep! You can make payments toward this loan from Online Banking and you can make payments from a different bank account using our Make A Payment feature.

Can I apply for a Recreational Loan online or do I need to apply for it at a branch location?
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You can apply for this loan online or in-person. The choice is yours.

Document Checklist for New and Used Auto Loan Applications
+

To verify your identity, we always ask that you come prepared with a government issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

In addition to identification, you will also need to bring:

  • Buyers order
  • Window sticker or invoice
  • Exact mileage
  • Proof of insurance with Fortera Credit Union listed as lien holder
  • Income verification

Have questions? Just email us.

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Competitive rates and flexible financing options four your new ride.

Used Auto Loan

A pre-driven car is no small investment. Make your new-to-you ride your own — on your budget and time table.

What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Member Service Agreement
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Privacy Policy
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