1Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used. 2Maximum amount financed: 80% Loan to Value. 3A 60-month new boat & RV loan with an APR of 5.74% would have a monthly payment of $19.22 per $1,000 borrowed. A 60-month used boat & RV loan with an APR of 6.24% would have a monthly payment of $19.45 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.