Boat Loan | RV Loan | ATV Loan | Recreational

Finance Your Adventure

If you plan to hit the open road or set sail on your next adventure, we have a loan designed with you in mind. We understand that securing your dream vehicle means finding financing that fits your budget.

Benefits of a Boat/RV/ATV/Jet Ski Loan with EFFCU:

Competitive Rates & Flexible Terms – Financing options tailored to your lifestyle and budget
Enjoy Now, Pay Later – No payments for the first 90 days
Optional Protection Plans – Extra peace of mind for your new ride
Fast & Easy Application – Your next adventure is just a click away!

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Recreational + Other Secured Rates

* APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Terms	APR*
48 Months	5.75%
60 Months	6.00%
72 Months	6.25%
78 Months	6.50%
84 Months	7.00%
96+ Months	8.00%

Optional Protection Plans

Now that you have a great vehicle, get some peace of mind as well. Breakdowns, accidents and illnesses happen, so it's best to be prepared. Protect your finances and your vehicle with our protection products.

Guaranteed Asset Protection (GAP) covers the difference between your auto insurance settlement and your auto loan balance in the event that your car is stolen or damaged beyond repair.
Mechanical Breakdown Protection provides coverage that serves as an extended warranty.
Credit Life and Credit Disability policies will pay off your vehicle loan in the event something happens to you.
Depreciation Protection Waiver. DPW, or Total Loss Protection, waives some or all of your auto loan balance in the event of the total loss of your vehicle.