Recreational Vehicle Loans

RVs, Boats, Motorcycles, & More

The great outdoors are calling–let Greater Nevada Credit Union help you answer it. From motorhomes and boats to motorcycles and ATVs/UTVs, a recreational vehicle loan is your ticket to adventure. We can also help you refinance your existing recreational loan if you’re looking to secure a lower rate and/or monthly payment, or looking to receive additional funds through a cash out refinance under special circumstances.

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What’s a Recreational Vehicle Loan?

Recreational loans are exactly what they sound like: loans you can use to purchase recreational vehicles, trailers, and powersports. These kinds of loans are similar to an auto loan, in which the vehicle is secured for the loan (also known as a secured loan). Many different types of recreational vehicles fall under this option.

But what counts as a recreational vehicle? Glad you asked–almost anything you’d use to explore the great outdoors, travel across the country, or go camping, including (though restrictions may apply)…

Recreational Vehicles

Terms up to 180 months for well-qualified borrowers, and dependent on amount financed:

• Motorhomes
• Fifth wheels
• Travel trailers
• Large boats

Personal Recreational Vehicles

Terms up to 72 months for well-qualified borrowers, and dependent on amount financed:

• Motorcycles
• ATVs & UTVs
• Jet skis & other small watercraft
• Snowmobiles
• Horse trailers
• Utility trailers

Buy New or Used

With a recreational vehicle loan from Greater Nevada, you can purchase the new or used vehicle or trailer of your choice.

Get Pre-Approved

Get pre-approved and bring more buying (and bargaining) power to the conversation as you shop for your next recreational vehicle.

Loan Refinancing

Let’s explore refinancing your existing recreational vehicle loan from elsewhere, including if a cash-out refinance could be a possibility for you.

Recreational Vehicle Loan Options

A recreational vehicle loan covers quite a few different types of vehicles. This flexible financing option can help you purchase boats, RVs, motorcycles, and more.

RV Loans

Skip the hotel and stay in the comfort of your very own RV, motorhome, or camper.

RV Loans

Boat Loans

Be the captain of your ship–and your finances–with a recreational loan from Greater Nevada.

Boat Loans

Motorcycle Loans

Embark on the Great American Road Trip (or just go for a ride around town) with a bike funded by a Greater Nevada recreational loan.

Motorcycle Loans

Protect Your Recreational Vehicle Loan

We offer protection solutions that can help secure your loan and your vehicle, so you can focus on the adventure ahead.

Payment/Debt Protection

Payment/Debt Protection helps cover your loan payments or balance in the event of involuntary unemployment, disability, or death. It’s a simple way to ensure your finances stay on track during difficult times.

Payment/Debt Protection

Guaranteed Asset Protection (GAP)

When your vehicle is totaled or stolen, the last thing you want is to be left with a large loan balance you can’t cover. GAP helps bridge that financial gap, and may cover the difference between your loan balance and what your insurance company will pay.

Guaranteed Asset Protection

Frequently Asked Questions (FAQs) About Recreational Vehicle Loans

Thinking of applying for a recreational vehicle loan? Here are some questions (and our answers) we’ve received from other applicants to help you get ready.

What types of vehicles can a recreational loan be used for?

Recreational loans cover a wide range of vehicles and trailers. Here are some of the most common:

• Motorhomes

• Fifth Wheels

• Travel Trailers

• Campers

• Utility Trailers

• Horse Trailers

• Boats

• Jet Skis

• Motorcycles

• Snowmobiles

• ATVs & UTVs

How can I calculate my monthly payment?

Your monthly payment will depend on your recreational loan’s interest rate and the amount financed. You can use our handy monthly loan calculator to run a few test scenarios to get an estimate of how much your possible monthly payment could be based on a particular interest rate, term, and total loan amount.

What is required to qualify for a recreational loan from Greater Nevada?

Qualifying for a recreational loan is a lot like qualifying for any other loan available through Greater Nevada. We’ll look at a few key pieces of information–credit history, income statements, and any other existing debt, for example–to determine eligibility, rates, and terms. Interested to see where you stand with your credit report? Members can take advantage of our free My Credit Health feature within Digital Banking offering a powerful one-stop-shop to access your credit score, credit monitoring, financial tips, and more. All of this without impacting your credit score, and all online.

Apply for a Recreational Vehicle Loan

Add a little more outdoors to your life with a recreation vehicle loan from our credit union. Getting started is simple: just apply online or over the phone.

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¹ Annual Percentage Rate (APR) effective March 5, 2026. Rates and conditions are subject to change without notice and vary based on creditworthiness and other factors. Recreational vehicles (motor homes, travel trailers, and large boats) allow for terms up to 240 months, depending on amount financed and borrower’s credit score. Personal recreational vehicles (motorcycles, jet skis, small watercraft, all-terrain vehicles, horse trailers, utility trailers, and snowmobiles) allow for terms up to 72 months, depending on amount financed and borrower’s credit score. Lowest rate shown assumes excellent borrower credit history, financing a direct new recreational vehicle loan at a 96-month loan term. Not all applicants will qualify for the lowest rate. Payment example: A new RV loan of $40,000 financed at 7.99% APR for 96 months equals a payment of $565.26 per month.