Motorcycle, boat & RV loans

Get moving with fast, local decisions.

If it’s got two wheels, four wheels or no wheels, OnPoint has you covered.

Combining local experience, competitive rates, no loan fees and flexible terms to deliver personalized financing for whatever ride you choose next.

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Great environment, and very personal service. Makes you feel like part of the family.

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Rates

Motorcycle, Boat & RV Loans
Motorcycle, Boat & RV Loans

Available terms1

Annual percentage rate (Fixed)2

Estimated minimum monthly payment

Rates Effective: 03-18-2024

Learn more about motorcycle, boat & RV loans

All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

For new and used motorcycle, boat and RVs, maximum LTV is 90% unless otherwise noted.

1 Maximum loan term determined by loan amount and collateral. Maximum term for motorcycles (any amount) is 60 months. For boat and RV: $10,000 or less loan amount has a maximum loan term of 60 months, $10,000 – $50,000 loan amount has a maximum loan term of 120 months, and loan amounts over $50,000 have a maximum loan term of 180 months.

2 Bundle rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for bundle rewards. Please see an OnPoint representative for more information or click here.

3 For motorcycle, boat and RV model years 2012 and older and other titled vehicles, maximum LTV is 80% unless otherwise noted. Other titled vehicles includes (but not limited to) ATVs, jet skis, and cargo trailers. LTV calculated using Kelley Blue Book retail value, NADA high value, or purchase price, whichever is lowest. Subject to credit approval and collateral evaluation.

Motorcycles, boats and RVs
new (2023 and 2024)

Available terms1

60 months

Annual percentage rate (Fixed)2

9.74%- 13.24%

Estimated minimum monthly payment

$ 218.62 based on a 60 month, $10,000 loan at 11.24% APR

Boats and RVs
new (2023 and 2024)

Available terms1

120 months

Annual percentage rate (Fixed)2

10.74% - 14.24%

Estimated minimum monthly payment

$ 217.29 based on a 120 month, $15,000 loan at 12.24% APR

Boats and RVs
new (2023 and 2024)

Available terms1

180 months

Annual percentage rate (Fixed)2

11.74% - 15.24%

Estimated minimum monthly payment

$768.64 based on a 180 month, $60,000 loan at 13.24% APR

Motorcycles, boats and RVs
used (2015-2022)

Available terms1

60 months

Annual percentage rate (Fixed)2

10.24% - 13.74%

Estimated minimum monthly payment

$ 221.13 based on a 60 month, $10,000 loan at 11.74% APR

Boats and RVs
used (2015-2022)

Available terms1

120 months

Annual percentage rate (Fixed)2

11.24% - 14.74%

Estimated minimum monthly payment

$ 221.67 based on a 120 month, $15,000 loan at 12.74% APR

Boats and RVs
used (2015-2022)

Available terms1

180 months

Annual percentage rate (Fixed)2

12.24% - 15.74%

Estimated minimum monthly payment

$ 788.59 based on a 180 month, $60,000 loan at 13.74% APR

Motorcycles, boats and RVs
2014 and older, other titled vehicles3

Available terms1

Up to 60 months

Annual percentage rate (Fixed)2

11.74% - 13.74%

Estimated minimum monthly payment

$ 110.57 based on a 60 month, $5,000 loan at 11.74% APR

Need to know how much you can afford?

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Disclosures

All OnPoint loans are subject to credit terms and approval.

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