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Recreational Loans

Hit the open road or sea with a boat or RV loan from Democracy FCU. We provide low rates and great service. You can explore the unknown with your new ride and save hundreds!

Apply for an RV Loan

Estimate Your RV Loan Payments

Get a Recreational Loan for:

RVs

Motorcycles

Snowmobiles

Wave Runners

Boats

Trailers

New Auto Loan Rates

Table data for New Auto Loan Rates
 Effective 01-28-2020
Term Loan Amount APR (as low as)1 Monthly Payment Per $1,000 Borrowed Amount Estimate Your Payment Alert Me
66 Months Up to $25,000 2.35% $16.17 Up to 125% of MSRP to include tax, tags, warranties and GAP Estimate Your Payment
78 Months $15,000 to $35,000 3.05% $16.48 Up to 125% of MSRP to include tax, tags, warranties and GAP Estimate Your Payment
84 Months $35,000+ 4.30% $17.05 Up to 125% of MSRP to include tax, tags, warranties and GAP Estimate Your Payment
A New Auto is an untitled auto or current year model.
  • 1Annual Percentage Rate. The New Auto rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.↵

Used Same as New Auto Loan Rates

Table data for Used Same as New Auto Loan Rates
 Effective 01-28-2020
Term Loan Amount APR (as low as)1 Monthly Payment per $1,000 Borrowed Amount Estimate Your Payment Alert Me
66 Months Up to $15,000 2.35% $16.17 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
78 Months $15,000 to $35,000 3.05% $16.48 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
84 Months $35,000+ 4.30% $17.05 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
A Used Same as New Auto includes model years 2018 and 2019 that are untitled autos or current year models.
  • 1Annual Percentage Rate. The Used Same As New rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.↵

Used Auto Loan Rates

Table data for Used Auto Loan Rates
 Effective 01-28-2020
Term Loan Amount APR (as low as)1 Monthly Payment per $1,000 Borrowed Amount Estimate Your Payment Alert Me
66 Months Up to $15,000 2.75% $16.35 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
78 Months $15,000 to $35,000 3.65% $16.75 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
84 Months $35,000+ 4.65% $17.21 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
A Used Auto includes model years 2013, 2014, 2015, 2016 and 2017.
  • 1Annual Percentage Rate. The Used Auto rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.↵

New/Used Boat Loan Rates

Table data for New/Used Boat Loan Rates
 Effective 01-28-2020
Term Loan Amount APR (as low as)1 Monthly Payment per $1,000 Borrowed Amount Alert Me
Up to 72 months Up to $25,000 5.00% $16.10 Up to 100% financing of Purchase Price
Over 72 months Over $25,000 6.00% $14.61 Up to 100% financing of Purchase Price
  • 1Annual Percentage Rate. The Recreational Vehicle rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.↵

New/Used RV Loan Rates

Table data for New/Used RV Loan Rates
 Effective 01-28-2020
Term Loan Amount APR (as low as)1 Monthly Payment per $1,000 Borrowed Estimate Your Payments Alert Me
Up to 72 months Up to 100% of purchase price 8.00% $17.53 Estimate Your Payment
  • 1Annual Percentage Rate. The Recreational Vehicle rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.↵

RV Loans

Estimate Your RV Loan Payment