Motorcycle, boat & RV loans
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.
- Keith B.Great environment, and very personal service. Makes you feel like part of the family.
Rates
Available terms1 | Annual percentage rate (Fixed)2 | Estimated minimum monthly payment | |
|---|---|---|---|
Rates Effective: 06-07-2023 Learn more about motorcycle, boat & RV loansAll 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 | 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 | 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 | 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 | 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 | 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 | 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 | 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 |
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Disclosures
All OnPoint loans are subject to credit terms and approval.
*Figure of $545 is a national average savings number from May 2022 through April 2023 of auto, homeowner and packaged policyholders’ savings when compared to the policyholders’ former premiums. Individual premiums and savings will vary. If you are purchasing insurance for yourself or as part of a credit union loan, you need to be aware of some important information. Insurance products are not deposits of OnPoint Community Credit Union and are not insured by the NCUA. They are not guaranteed by OnPoint Community Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by OnPoint Community Credit Union need not be purchased from OnPoint Insurance Services and may be purchased from an agent or an insurance company of the member’s choice.