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Recreational Vehicle Loans

"I recently had the pleasure of dealing with Centricity for a boat loan. I opened an application on your website, was contacted promptly and everything was executed hassle free. Dawn was a pleasure to work with, I could not have been more satisfied with the whole process."
- Anonymous Member

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Better Weekends

We give you the financing options to turn your hard work into better weekends. Our recreational vehicle loans help you afford every kind of vehicle: boats, motor homes, trailers, motorcycles, snowmobiles, and ATVs. Local lending and customizable terms help you get a loan that makes sense for your budget and a vehicle that makes sense for your lifestyle.

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All kinds of recreational vehicles

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Affordable financing options

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Terms that work for your budget

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Local and trusted lending source

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Refinance up to 100% of a different loan

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Getting pre-approved for a loan before looking for a vehicle saves time and energy so you’ll know exactly how much you’re able to spend.

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Frequently Asked Questions

  • Yes! Try our online Loan Payment Center or log in to Online Banking from our website and conveniently transfer your payment from your savings or checking accounts.

    • Use our online Loan Payment Center
    • Stop at any branch and drop off cash or check with a Member Service Representative or use the night drop box
    • Mail a check to any of our 3 branches
    • Set up a payment with Bill Pay through our Online Banking from your primary financial account
    • Account to Account electronic transfers – If you have more than one Centricity account set up in Bill Pay, you can transfer money between them
    • Set up an ACH transfer with your primary financial directly to your Centricity loan
    • Set up automatic payments from your Centricity account directly to your loan
    • Use Online Banking to make a payment

    *If you need to make changes to your current payment method, please call our Lending Department at 218-729-7733.

Vehicles to experience the world differently

Whether its the next boat or your first motorcycle, we're ready to help you find a financing option that fits your lifestyle.

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Rates

New Recreational Vehicle Loan Rates

Rates effective as of: February 20, 2025

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

Up to 120% financing available up to 72 months term. 100% financing on extended terms. 2008 and Newer Loan to Value based on NADA Retail.

Examples: Travel Trailers, Boats, Motor Homes, Recreational Vehicles (including ATV's, Snowmobiles, Motorcycles, Jet Skis)

APR = Annual Percentage Rate.

Used Recreational Vehicle Loan Rates

Rates effective as of: February 20, 2025

Rates based on final LTV (Loan-to-Value) of 75%. The rate will increase for loans with higher LTVs.

Up to 120% financing available up to 72 months term. 100% financing on extended terms. 2008 and Newer Loan to Value based on NADA Retail.

Examples: Travel Trailers, Boats, Motor Homes, Recreational Vehicles (including ATV's, Snowmobiles, Motorcycles, Jet Skis)

APR = Annual Percentage Rate.

Vehicles > 8 years add 2.00% to rate

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