Boat, RV, Motorcycle & Recreational Vehicle 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, flexible terms, and local service you can trust.
Apply online in only minutes.
Why Members Choose SRCFCU
Finance Your Next Adventure With Confidence
Competitive Rates
Great financing options for boats, RVs, campers, motorcycles, ATVs, and more.
Fast Local Decisions
Apply online in minutes and work directly with a local lending team you can trust.
Flexible Terms
Choose repayment options designed to fit your budget and lifestyle.
Protection Options
Add optional protection products that could save you money and stress later.
Fast approvals • Local decisions • Apply online in minutes
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% |
Disclaimers: *APR=Annual Percentage Rate. Rates effective October 1, 2025. Subject to credit approval and conditions. Rates are subject to change without notice and may vary based on creditworthiness, loan term, and collateral. All loans subject to credit approval. SRCFCU membership required.
Calculate Your Loan Payment
Enter the loan amount, APR, and term to estimate your monthly payment.
What People Are Saying
“ The auto loan process was quick and easy, and the rate was GREAT!
— Joe M.
“ I highly recommend SRCFCU if you’re looking for great service and great rates!
— Alicia F.
“ They were so helpful and made getting a loan so easy and pleasurable!
— Mick M.
How It Works
- 1. Apply online in minutes
- 2. Get pre-approved before you shop
- 3. Choose your ride
- 4. 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
-
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.
Become A Member
We help you achieve your financial goals.
Rates
Competitive rates make SRCFCU your first stop!
Apply for a Loan
Loan options designed with you in mind.