RECREATIONAL VEHICLE LOANS

When getting there is half the fun

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Go Where Life Takes You

With new auto loans, used auto loans, and refinance auto loans, Pen Air has affordable options to fit your needs!

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Let's check that adventure vehicle off your wish list

Whether you like to ride on the water, in the mud or on the open road — we’ll get you moving with an affordable Recreational Loan that suits your lifestyle. Plus, you’ll have bargaining power at the dealership with easy pre-approval.

Benefits of financing your Recreational Vehicle with PenAir Credit Union

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Easy Application Process

The entire application process can be done from the comfort of your home when you apply online.

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Low Rates

Since we’re not-for-profit, PenAir puts money back in your pocket by keeping interest rates low.

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No payment for up to 90 days

We’ll give you plenty of time to work your new loan payment into your monthly budget.

Get Off The Beaten Path Today

Get Pre-Approved

Go Where Life Takes You

With new auto loans, used auto loans, and refinance auto loans, Pen Air has affordable options to fit your needs!

Already a Member?

Get Pre-Approved Online

Finance it Whether it Rolls, Floats or Slides

PenAir can help you get on the road to adventure, even if the vehicle doesn’t need roads! You can finance:

  • Motorcycles
  • Travel trailers
  • Boats
  • Golf carts
  • ATVs and UTVs
  • Jet skis
  • Motorhomes/RVs

How Does a Recreational Vehicle Loan Work?

A loan for a recreational vehicle, whether it is an ATV, boat, motorcycle, or Motorhome/RV, works much like an auto loan. Generally, you use the vehicle being purchased as collateral, which means the lender will hold the title of the vehicle until the loan is repaid.

At PenAir, the rate offered does not depend on the vehicle type, but the maximum loan term is dependent on the age and type of vehicle. Boats and RVs have the longest available terms, while ATVs, UTVs and jet skis have the shortest terms.

 

Check Our Recreational Loan Rates

New Recreational Vehicle Loans

Loan Type

Term up to

APR* as low as

Rates are effective as of April 1, 2023

*APR = Annual Percentage Rate. Rates are based on the evaluation of an applicant’s credit and may vary. All loans are subject to approval. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.

Loan Type

Motorcycle

Term up to

84 months

APR* as low as

6.49%

Loan Type

Travel Trailer

Term up to

84 months

APR* as low as

6.49%

Loan Type

Motorhome

Term up to

120 months

APR* as low as

6.49%

Loan Type

ATV/UTV

Term up to

72 months

APR* as low as

6.49%

Loan Type

Boat

Term up to

120 months

APR* as low as

6.49%

Loan Type

Jet Ski

Term up to

72 months

APR* as low as

6.49%


Used Recreational Vehicle Loans

Loan Type

Term up to

APR* as low as

Rates are effective as of April 19, 2023

*APR = Annual Percentage Rate. Rates are based on the evaluation of an applicant’s credit and may vary. All loans are subject to approval. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.

Loan Type

Motorcycle

Term up to

75 months

APR* as low as

6.74%

Loan Type

Travel Trailer

Term up to

72 months

APR* as low as

6.74%

Loan Type

Motorhome

Term up to

72 months

APR* as low as

6.74%

Loan Type

ATV/UTV

Term up to

66 months

APR* as low as

6.74%

Loan Type

Boat

Term up to

72 months

APR* as low as

6.74%

Loan Type

Jet Ski

Term up to

66 months

APR* as low as

6.74%

Crunching the numbers

What other numbers can we work for you? Explore more calculators

Ready, set, go.

Adventure Awaits
Get Pre-Approved

Go Where Life Takes You

With new auto loans, used auto loans, and refinance auto loans, Pen Air has affordable options to fit your needs!

Already a Member?

Get Pre-Approved Online
Give Us a Ring
1-877-473-6247
Find Coverage That Fits
Get Started Online

Disclosures

Approximate term = The term we use when calculating payments for the Credit Union’s loan products. *APR = Annual Percentage Rate. Rates are based on the evaluation of an applicant’s credit and may vary. All loans are subject to approval. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.

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