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Recreational Loans

Ready to hit the trails, cruise the lake, or explore new terrain? Your next adventure is closer than you think. Whether you're dreaming of a boat, RV, motorcycle, ATV, or other recreational vehicle, we'll help you finance it with competitive rates and flexible terms that fit your budget.

Ready to Get Started?

Have questions about rates, terms, or which recreational vehicle loan works best for you? We're here to help you explore your options and find financing that fits your plans. You can apply online in minutes, call us, or stop by any branch to speak with a loan specialist who understands the local outdoor community.

Quick Rates

Recreational Loan	6.74%
Boat Loan	5.99%
Auto Loan	4.74%
Platinum VISA	11.65%

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*APR = Annual Percentage Rate. Subject to approval. Rates are as low as; rates and terms may vary, based on credit history. Click "All Rates" for required disclosures.

Make Waves with Flexible Boat Loans

Ready to trade screen time for lake time? Whether you are looking to cruise the open water in a brand-new pontoon, catch some air on a wakeboard boat, or find a reliable pre-owned fishing rig, SharePoint Credit Union makes your next adventure affordable.

With competitive rates and flexible terms, your dream watercraft is closer than you think.

Why Finance Your Boat with SharePoint?

Rates as Low as 5.99% APR* – Enjoy affordable monthly payments that fit your budget.
Flexible Financing Terms – Tailored repayment options designed to get you on the water faster without straining your wallet.
Easy Pre-Approval – Shop with confidence and negotiating power knowing exactly what you can afford before you visit the dealership.
Local Decisions & Fast Processing – Work with a team that understands the local lifestyle and gets your loan approved quickly.

Adventure Within Reach: How to Get Started

Calculate Your Payments: Use our online calculators to estimate your monthly budget.
Apply Online: Fill out our quick, secure online application in just a few minutes.
Hit the Water: Once approved, we will help you finalize the paperwork so you can focus on making memories.

Apply for a Boat Loan

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I Want to

Purchase a Recreational Vehicle

Save money with competitive rates and flexible terms so you can pay off your new toy sooner.

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I Want to

Refinance a Recreational Vehicle

Love your current toy? We offer refinancing with the same great rates.

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I Am Interested in

GAP Coverage

How can GAP Coverage help you?

Pays deductible up to $500 if in an accident

GAP Plus pays $1,000 toward the purchase of your next vehicle

Ask your lender for more information about GAP coverage.

Recreational Loan FAQs

What are the advantages of financing through a credit union versus the dealer?

You will likely get a better rate going directly through your credit union. Dealer’s may mark up the rate when using their financing to increase the income they earn on the deal.

Is there a prepayment penalty on RV loans?

No, there is no prepayment on RV Loans!

How long does it take to get an RV loan approved?

Our goal is to preapprove loan requests within 4 hours, assuming we have the information required.

Is it smart to finance a boat for 15 years?

Boats due tend to hold their value better than an automobile. That being said, I think you should look at a payment that is comfortable for your budget rather than just the term. Rates tend to increase once your term extends more than 10 years.

How much money should I put down on a boat?

We offer 100% financing of the value of the boat. Nevertheless, if you are able to put money down towards the purchase that is always a good idea.

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