TDECU Recreational Vehicle Loans
From boats to RVs, get the financing you need to start your next great adventure
Need to make your loan payment?
If you need to make your monthly payment, our online service options are available 24 hours a day, 7 days a week. You can choose between transferring funds from a TDECU account toward your loan balance or making a payment using an account from another financial institution.
Ready to get moving?
At TDECU, the fun starts here. Whether you want to get on the water, drive across the country, or zip around the neighborhood on a golf cart, we can get you there. We make it easy and affordable so you can enjoy the beautiful days ahead, in the recreational vehicle of your choice. With TDECU, you can take advantage of:
- No payments for 90 days1
- No money down option available
- No hidden fees, costs, or early-payoff penalties
Get moving and start making memories. Apply for your recreational vehicle loan today!
TDECU Recreational Vehicle Loans feature these benefits:
$0
Payments for 90 Days1
low as
6.49%
APR2
$0
Money down option
Shopping for a new or pre-owned vehicle?
New and Pre-Owned
Boat Loan
Competitive financing option for new and used boats.
7.25%
Minimum APR2
48-144 months
Financing term
New and Pre-Owned
Motorcycle Loan
Competitive financing option for new and used motorcycles.
6.49%
Minimum APR2
48-72 months
Financing term
New and Pre-Owned
RV Loan
Competitive financing option for new and used RVs.
7.25%
Minimum APR2
48-144 months
Financing term
ATV/UTV
Secured Loan
Competitive financing option for new and used ATVs and UTVs.
7.25%
Minimum APR2
48 - 60 months
Financing term
Farm/Lawn
Equipment Loan
Competitive financing option for new and used farm and lawn vehicles, such as lawn mowers, tractors and trailers.
7.25%
Minimum APR2
48 - 120 months
Financing term
Jet Ski
Secured Loan
Competitive financing option for new and used jet skis and personal watercraft.
7.25%
Minimum APR2
48 - 60 months
Financing term
Looking to refinance your loan from another financial institution?
Refinance Your Boat Loan
Refinance option for boat loans.3
7.25%
Minimum APR2
48-144 months
Financing term
Refinance Your Motorcycle Loan
Refinance option for motorcycle loans.3
6.49%
Minimum APR2
48-72 months
Financing term
Refinance Your RV Loan
Refinance option for RV loans.3
7.25%
Minimum APR2
48-144 months
Financing term
TDECU Recreational Vehicle Loan Frequently Asked Questions
How can being pre-approved help me when shopping for a recreational vehicle?
When you are pre-approved or prequalified for a recreational vehicle loan, you can focus on negotiating the best price when visiting the dealership. This allows you to shop with confidence, knowing you won't end up with high-rate financing.
Can I be approved for a recreational vehicle loan and have funds available the next day?
In many cases, you may be approved and receive your funds the same day. We understand that sometimes the buying process is an urgent matter. Our team will answer your questions and help expedite the loan application and approval process.
Can I make additional payments and pay off my recreational vehicle loan earlier than the original term?
Yes. At TDECU, there are no prepayment penalties for paying off your loan earlier than your original term. In fact, it is a great way to save on interest over the long run! Use our loan payoff calculator to see how long it will take to pay off your loan.
What financing partners does TDECU have?
TDECU financing is available through hundreds of dealerships in Texas. View our current dealership partners here.
How can I check the status of my recreational vehicle loan application?
Ready to start the application process?
Start online, in person, or over the phone.
- Apply for a recreational vehicle loan online: Apply Now
- Visit a Member Center: Find a Location
- Give us a call: (800) 839-1154
1 Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 110% for boat and RV loans and less than 125% for motorcycle and miscellaneous secured loans; and a minimum credit score of 660 is required to qualify for the deferred payment option.
2 APR = Annual Percentage Rate. Advertised rates include a 0.25% discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account. Rate received is determined by loan term and credit score. Terms of repayment: A $30,000 loan with a 72-month term at 7.25% APR equals a $515.10 monthly payment.
3 Existing TDECU loans are ineligible for refinancing.
4 Insurance products are not deposits, not NCUA insured, and not guaranteed by TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union (TDECU).
Credit approval required. Minimum loan amount for boats, RVs, and leisure vehicles is $5,000. Collateral must be for personal use only. Other terms/conditions apply; contact TDECU for details.