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 boats 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*:
3.74% - 4.44%
|
Type:
New
| Term:
Up to 60 Months
| APR*:
4.84% - 14.74%
|
Type:
New
| Term:
Up to 72 Months
| APR*:
4.99% - 15.24%
|
Type:
New
| Term:
Up to 84 Months
| APR*:
6.49% - 8.24%
|
Type:
New
| Term:
Up to 96 Months
| APR*:
8.74% - 8.99%
|
Type:
Used (2020-2022)
| Term:
Up to 36 Months
| APR*:
3.99% - 4.49%
|
Type:
Used (2020-2022)
| Term:
Up to 60 Months
| APR*:
4.94% - 15.24%
|
Type:
Used (2020-2022)
| Term:
Up to 72 Months
| APR*:
5.04% - 15.74%
|
Type:
Used (2020-2022)
| Term:
Up to 84 Months
| APR*:
6.54% - 8.74%
|
Type:
Used (2018-2019)
| Term:
Up to 60 Months
| APR*:
5.24% - 16.24%
|
Type:
Used (2018-2019)
| Term:
Up to 72 Months
| APR*:
5.49% - 16.49%
|
Type:
Used (2018-2019)
| Term:
Up to 84 Months
| APR*:
7.24% - 9.24%
|
Type:
Used (2015-2017)
| Term:
Up to 60 Months
| APR*:
6.04% - 16.24%
|
Type:
Used (2015-2017)
| Term:
Up to 72 Months
| APR*:
6.74% - 17.24%
|
Type:
Used (2010-2014)
| Term:
Up to 60 Months
| APR*:
7.24% - 18.24%
|
Type:
Used (2009 and older)
| Term:
Up to 36 Months
| APR*:
10.74% - 18.00%
|
Type:
Used (2009 and older)
| Term:
Up to 48 Months
| APR*:
11.74% - 18.00%
|
Type:
Used (2009 and older)
| Term:
Up to 60 Months
| APR*:
13.24% - 18.00%
|
*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
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.
With our 90 Days No Pay policy, you can cruise through the first three months of your auto loan without making a payment.
Auto Pay Advantage is an easy 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.
On the couch or on the go, keep your money close with our Mobile App and Online Banking.
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.
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.
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.
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.
Extra payments on loans are accepted anytime.
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.
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.
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.
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? You can email us at loans@forteracu.com, text us at 931.431.6800, or video call us. Whichever works for you works for us.
As a Fortera Credit Union member, you have access to additional insurance protection through our partner, TruStage. They provide Life, Auto, Home, and Accidental Death Coverage. You can get up to $1,000 of Accidental Death coverage for free by visiting trustage.com and claiming your offer.
If you have questions for our team about TruStage insurance, please text us at 931.431.6800 or email us at info@forteracu.com.
Need a hand?
That's what we are here for! Give us a call and let's chat face-to-face.
Yes! You can make additional payments on your Recreational Loan.
We cover motor homes, travel trailers, boats, watercraft, and ATVs.
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.
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.
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.
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? You can email us at loans@forteracu.com, text us at 931.431.6800, or video call us. Whichever works for you works for us.
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