boat, RV & other recreational craft loans

Fresh air starts here! With our wide variety of recreational and unique vehicle loans your next adventure is closer than you think.

What type of recreational vehicle are you interested in?

See Loan Options

escape the everyday

Break free from the ordinary with these financing options.

There is no better time to explore! Whether it’s in your dream boat or RV or on a motorcycle, snowmobile, or ATV, United’s low rates will get you out exploring the great outdoors in no time. Let us know what type of fun you want to finance and we’ll help get you started.

boat loan

fishing boats, sailboats, pontoon boats, cabin cruisers, and more

RV loan

motorhomes, travel trailer, fifth wheel trailers, campers, and horse trailers

motorcycle loan

motorcycles, ATVs, UTVs, personal watercraft, and snowmobiles

other vehicle loan

titled/UCC vehicles not included in other categories, like lawnmowers, tractors, and golf carts

boat loans and refinancing

The ocean blue is waiting for you.

Head out on a new adventure with the marine or boat loan that's right for you. We can help you buy the boat of your dreams.

United finances fishing boats, sailboats, pontoon boats, cabin cruisers, and more.

rates as low as
5.35% APR
for up to 180 months³

Varies By State, Check Rates Apply Online

what our loan offers

United offers a fixed rate loan to finance a new or used boat. Have confidence knowing that you won't be tied down with additional fees. We allow borrowing up to 100% of the value of your boat to help cover expenses like taxes, title fees, and negative trade-in equity. United has no application fee or early payment penalties.

good to know

Personal watercraft, like jet skis, are not considered a boat. If you are looking to finance your watercraft, you'll need a Motorcycle Recreational Loan.

Finance Watercraft

competitive rates

flexible repayment terms up to 180 months³

borrow up to 100% of the vehicle's value

eligible for Skip-a-Pay

easy to apply

discount with an Ultra Checking account³

no application fees or prepayment penalties

discount when you finance 80% or less³

discount with automatic payments³

Guaranteed Asset Protection Insurance⁵

Debt Protection⁴

helpful assistance online and in branch

Need a trailer for your boat? We've got you covered there too.

Trailer Financing

got questions?

A: You must have full coverage insurance with a $1,000 maximum deductible, and have a purchase order or copy of the title available.

If multiple names are on the title, all parties must sign the appropriate paperwork for the loan and lien perfection.

A: Once you have your recreational vehicle, its value is already worth less. Since insurance claim payments are based on the current value of your vehicle, your loan or lease could be higher than the value of your vehicle in the event of a total loss.

Guaranteed Asset Protection (GAP) is an optional product that you may purchase for your vehicle that covers the difference between the outstanding loan balance and the actual cash value of the vehicle in the event of a total loss or theft.

GAP can be added at any time, but it's most beneficial in the first 18 months of the loan. GAP is valid for one vehicle loan, including any recreational vehicle loan. The coverage cannot be combined across loans.

A: Debt protection is an optional product that helps relieve the financial stress and worry related to making loan payments in the event of death, disability, and/or involuntary unemployment. This protection cancels a borrower's remaining loan balance in the event of death and loan payment(s) for a specific amount of time per occurrence in the event of the rest.

A: Typically, GAP covers the loan itself and is nontransferable when the loan is refinanced. However, there is a slight chance GAP purchased on a United loan can be transferred if the loan is refinanced to a new United loan.

The ability to request this option will be dependent on the terms of the new loan and if the loan term is extended or not.

A: Yes, GAP can be added at any time to an existing loan with a qualifying vehicle. In most cases, it is most beneficial to add this during the first 18 months of the loan when there is the greatest likelihood of a deficiency balance in the event of a loss.

A: Yes, a boat loan from United covers used boats. Please be aware that a used boat over $75,000 will require a Certified Marine Appraisal to determine the value. A dealer write up or purchase order is not considered an appraisal.

RV loans and refinancing