Recreational Vehicle Loans

Go where it’s all fun and games.

RV, Boat, Motorcycle and ATV Loans

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 60 Months
APR*:
8.49% - 17.24%
Type:
New
Term:
Up to 72 Months
APR*:
8.49% - 17.74%
Type:
New
Term:
Up to 84 Months
APR*:
8.99% - 11.24%
Type:
New
Term:
Up to 96 Months
APR*:
12.99% - 13.24%
Type:
Used (2022-2024)
Term:
Up to 60 Months
APR*:
8.74% - 17.74%
Type:
Used (2022-2024)
Term:
Up to 72 Months
APR*:
8.74% - 18.00%
Type:
Used (2022-2024)
Term:
Up to 84 Months
APR*:
9.24% - 11.74%
Type:
Used (2020-2021)
Term:
Up to 60 Months
APR*:
9.24% - 18.00%
Type:
Used (2020-2021)
Term:
Up to 72 Months
APR*:
9.24% - 18.00%
Type:
Used (2020-2021)
Term:
Up to 84 Months
APR*:
9.74% - 12.24%
Type:
Used (2017-2019)
Term:
Up to 60 Months
APR*:
9.99% - 18.00%
Type:
Used (2017-2019)
Term:
Up to 72 Months
APR*:
10.49% - 18.00%
Type:
Used (2012-2016)
Term:
Up to 60 Months
APR*:
11.49% - 18.00%
Type:
Used (2011 and older)
Term:
Up to 36 Months
APR*:
13.24% - 18.00%
Type:
Used (2011 and older)
Term:
Up to 48 Months
APR*:
14.24% - 18.00%
Type:
Used (2011 and older)
Term:
Up to 60 Months
APR*:
15.74% - 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. Loan to Value up to 120%. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Recreational Loan Payment Example: For a $40,000 loan for a term of 6 years with a 10.49% APR, the monthly payment will be $751.34.

Recreational Vehicle Loan Benefits

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.

90-Day No Pay*

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

*Limited time offer. Interest will begin accruing on day one of the loan and continue through the deferred payment period.

Set, forget, save

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.

More is merrier

Extra payments on loans are accepted anytime.

Get started!

Go wild and apply for your recreational vehicle loan today.

Helpful Resources

More tools and services to make your day a little easier.

Add Debt Protection to Your Loan
+

If your life takes an unexpected turn, your family’s finances can be strained. But with Member's Choice Borrower Security with Life Plus, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love.

Take an important step toward financial security. Email us at loans@forteracu.com and ask about Member's Choice Borrower Security with Life Plus today.

Your purchase of Member's Choice Borrower Security with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Member's Choice Borrower Security with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
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DP-3415592.1-0121-0423 CUNA Mutual Group ©2023, All Rights Reserved.

Submit a Debt Protection Claim
+

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, Used, and Recreational Vehicle Loans
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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? 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.

Learn About Additional Insurance Coverage With TruStage
+

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.

Car Loan Calculator
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Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the 'View Report' button.

TruStage Additional Products
+

Learn more about a variety of different products and services offered to all credit union members through TruStage.

Need a hand?

Tag us in. Whether you are on your couch or halfway around the world, use Fortera Video Chat to get quick answers from a friendly face.

Can I make additional payments on a Recreational Loan?
+

Yes! You can make additional payments on your Recreational Loan.

What vehicles are covered with a Recreational Loan?
+

We cover motor homes, travel trailers, boats, watercraft, and ATVs.

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?
+

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.

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Used Auto Loan

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What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Rate and Fee Disclosure
View PDF