Adventure Starts Here!
Boat, Motorcycle, RV & Recreation Loans
Whether you're cruising the coast, hitting the open road, or exploring the outdoors, Santa Rosa County Federal Credit Union makes it easy to finance your next adventure with competitive rates and local service you can trust.
Financing for:
BOATS, MOTORCYCLES, RVS, JETSKIS, ATVS, AND MORE
Why Finance Your Toys with SRCFCU?
Competitive Rates & Flexible Terms
Affordable financing options for new and used recreational vehicles.
Local Lending Experts
Real people right here in Northwest Florida.Fast, Easy Applications
Apply online anytime or talk with a loan officer in person.Optional Protection Plans
Ask about GAP and coverage options for added peace of mind.
Current Rates
| Loan Type | Approximate Term | Annual Percentage Rate* (As Low As) |
|---|---|---|
| New & Used Boat/Jetski | Up to 60 Months | 6.49% |
| New & Used Boat/Jetski | Up to 72 Months | 6.74% |
| New & Used Boat/Jetski | Up to 84 Months | 7.74% |
| New & Used Boat/Jetski | Up to 120 Months | 7.99% |
| New & Used RV/Motorhome | Up to 60 Months | 6.49% |
| New & Used RV/Motorhome | Up to 72 Months | 6.74% |
| New & Used RV/Motorhome | Up to 84 Months | 7.74% |
| New & Used RV/Motorhome | Up to 120 Months | 7.99% |
| New & Used RV/Motorhome | Up to 144 Months | 7.99% |
| New & Used RV/Motorhome | Up to 180 Months | 8.24% |
| New & Used Motorcycle/4-Wheeler/ATV | Up to 60 Months | 6.49% |
| New & Used Motorcycle/4-Wheeler/ATV | Up to 72 Months | 6.74% |
| New Tractor | Up to 60 Months | 8.90% |
Rates effective October 1, 2025.
Calculate Your Loan Payment
Enter the loan amount, APR, and term to estimate your monthly payment.
How It Works
1️⃣ Apply online in minutes
2️⃣ Get pre-approved before you shop
3️⃣ Choose your ride
4️⃣ Close your loan and hit the road (or water!)
Already Have a Loan Elsewhere?
Refinance & Save
If you’re already paying on a recreational loan at another institution, refinancing with SRCFCU could help you:
Lower your interest rate
Reduce your monthly payment
Save money over the life of the loan
Simplify your finances
What You’ll Need to Apply
To apply, be ready with:
Your photo ID
Income and employment information
Vehicle details (if already chosen)
Estimated purchase price
FAQs
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Yes! Getting pre-approved gives you a budget and confidence before you visit a dealer or private seller.
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Yes — we finance both new and used recreational vehicles.
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Most applications receive a response
same day.
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Yes, you must be a member of SRCFCU, but opening a membership is simple and can be done alongside your loan.
