Boat loans

When you're ready to get out on the water with a new or used boat, apply for a boat loan and get affordable financing with Oregon State Credit Union. Purchase or refinance boats of all types, new or used.

Apply online | Boat loans new or used


RV, boat and other recreational vehicle loan rates
Effective Date: Wednesday, April 1st, 2020
Vehicle typeAPR (Low)*APR (High)Repayment terms
New boat or RV (2019-2020) 4.74% 15.99% Up to 72 months
New boat of RV (2019-2020) 4.99% 16.24% 73-180 months
Used boat or RV (2010-2018) 5.24% 16.74% Up to 72 months
Used boat or RV (2010-2018) 5.49% 16.99% 73-180 months
Loan rates for ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft are featured below.
New (2019-2020) 4.24% 16.99% Up to 72 months
New (2019-2020) 4.49% 17.24% 73-84 months
Used (2014-2018) 5.24% 17.74% Up to 72 months
Used (2014-2018) 5.49% 17.74% 73-84 months

*APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The loan interest rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category.

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments. A $10,000 new RV or boat loan with a 72 month repayment term will have a 4.74% APR and a monthly payment of $159.85. A $20,000.00 new RV or boat loan with a repayment term of 120 months will have a 4.99% APR and a monthly payment of $212.05. If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement.

  • We may offer other rates in the future.
  • We may be able to match rates from other lenders.
  • All loans are subject to approval.

*APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The loan interest rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category.

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments. A $10,000 new RV or boat loan with a 72 month repayment term will have a 4.74% APR and a monthly payment of $159.85. A $20,000.00 new RV or boat loan with a repayment term of 120 months will have a 4.99% APR and a monthly payment of $212.05. If you delete your automatic payment request, or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement.

  • We may offer other rates in the future.
  • We may be able to match rates from other lenders.
  • All loans are subject to approval.

Apply today for your RV loan

Apply online | Boat loans new or used

Visit an Oregon State Credit Union branch to start your boat loan.

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