RV and Off-Road Vehicle Loans
RV and Off-Road Vehicle Loans
Just because you're a weekend warrior doesn't mean you have to get risky recreational vehicle loans. We cover RVs, ATVs, boats, jet skis, and more. OE Federal offers competitive rates and reasonable payments so you can live the dream without breaking the bank.
- RVs (motorhomes, 5th wheels, travel trailers)
- ATVs, Dirt Bikes, and UTVs
- Speedboats, fishing boats, and jet skis
- Step-by-step guidance through the loan process
- Reasonable rates and payments
New Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.24% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Other Collateral (New)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Other Collateral (Used)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer. Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
New Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Related Products and Services
Motorcycle Loans
Learn MoreAuto Loans
Learn MoreNew Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.24% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Recreational Vehicles
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Maximum Loan Amount: $200,000
Maximum Term: 180 MO
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: 20% down payment from cash and/or trade in (-.50% discount)
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tier 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Other Collateral (New)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Other Collateral (Used)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months7,9 | 7.24% to 9.49% |
| 121-180 months8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer. Personal watercraft, Dirt Bikes, and Off-Road Vehicles such as ATV’s.
MAXIMUM AMOUNT
Up to 90% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax. Maximum Loan: $25,000
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 |9 Term available for tiers 1 – 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
New Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Used Boats
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months 2 | 4.74% to 17.49% |
| 49-60 months 4 | 5.24% to 17.49% |
| 61-72 months 5 | 5.74% to 17.49% |
| 73-84 months 6,9 | 6.74% to 9.24% |
| 85-120 months 7,9 | 7.24% to 9.49% |
| 121-180 months 8,9 | 7.49% to 9.74% |
LOAN TYPE
15 model years or newer
MAXIMUM AMOUNT
Up to 100% of Dealer MSRP (NADA clean retail value if MSRP is not available), not to exceed documented purchase price. Includes license fee, warranty, and sales tax.
Loan Payment Example: $22.91 per month per $1,000 borrowed at 4.74% APR for 48 months
2 Minimum loan amount $2,500 | 4 Minimum loan amount $7,500 | 5 Minimum loan amount $15,000 | 6 Minimum loan amount $35,000 |
7 Minimum loan amount $60,000 | 8 Minimum loan amount $100,000 | 9 Term available for tiers 1 through 3 only
*All rates and terms are dependent on credit worthiness.
Information accurate as of June 2, 2022.
Frequently Asked Questions
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What are the requirements for an RV?
To meet our loan requirements, RVs need to be 10 years old or newer.