Boat, RV, Personal Watercraft Loans
Boat, RV, Personal Watercraft Loans
Just because you're a weekend warrior doesn't mean you have to get risky recreational vehicle loans. We cover boats, jet skis, RVs, ATVs and more. OE Federal offers competitive rates and reasonable payments so you can live the dream without breaking the bank.
- Speedboats, fishing boats, and jet skis
- RVs (motorhomes, 5th wheels, travel trailers)
- ATVs and Dirt Bikes
- Step-by-step guidance through the loan process
- Reasonable rates and payments
New Boats (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months (2) | 4.74% to 17.99% |
| 49-60 months (4) | 5.24% to 17.99% |
| 61-72 months (5) | 5.74% to 17.99% |
| 73-84 months (6) | 6.24% to 17.99% |
| 85-120 months (7) | 6.49% to 17.99% |
| 121-180 months (8) | 6.74% to 17.99% |
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
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000 | (7) Minimum loan amount $25,000 | (8) Minimum loan amount $50,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Used Boats (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months (2) | 4.74% to 17.99% |
| 49-60 months (4) | 5.24% to 17.99% |
| 61-72 months (5) | 5.74% to 17.99% |
| 73-84 months (6) | 6.24% to 17.99% |
| 85-120 months (7) | 6.49% to 17.99% |
| 121-180 months (8) | 6.74% to 17.99% |
LOAN TYPE
10 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
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000 | (7) Minimum loan amount $25,000 | (8) Minimum loan amount $50,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
New Recreational Vehicles (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months (2) | 3.49% to 11.99% |
| 49-60 months (4) | 3.49% to 11.99% |
| 61-72 months (5) | 3.49% to 12.49% |
| 73-84 months (6) | 3.49% to 12.74% |
| 85-120 months (7) | 3.74% to 14.99% |
| 121-180 months (8) | 3.99% to 14.99% |
| 181-240 months (9) | 3.99% to 5.49% |
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: 240 MO with a minimum FICO of 660
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: For LTV between 80.01%-90% or 10% down payment (-.25% discount) For LTV less than 80% or 20% down payment (-.50% discount)
Loan Payment Example: $22.39 per month per $1,000 borrowed at 3.49% APR for 48 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000 | (7) Minimum loan amount $25,000 | (8) Minimum loan amount $50,000 | (9) Minimum loan amount $100,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Used Recreational Vehicles (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months (2) | 3.49% to 11.99% |
| 49-60 months (4) | 3.49% to 11.99% |
| 61-72 months (5) | 3.49% to 12.49% |
| 73-84 months (6) | 3.49% to 12.74% |
| 85-120 months (7) | 3.74% to 14.99% |
| 121-180 months (8) | 3.99% to 14.99% |
| 181-240 months (9) | 3.99% to 5.49% |
LOAN TYPE
10 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: 240 MO with a minimum FICO of 660
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: For LTV between 80.01%-90% or 10% down payment (-.25% discount) For LTV less than 80% or 20% down payment (-.50% discount)
Loan Payment Example: $22.39 per month per $1,000 borrowed at 3.49% APR for 48 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000 | (7) Minimum loan amount $25,000 | (8) Minimum loan amount $50,000 | (9) Minimum loan amount $100,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Other Collateral (New) (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-36 months (2) | 5.83% to 16.99% |
| 37-60 months (4) | 6.58% to 17.74% |
| 61-72 months (5) | 6.83% to 17.99% |
| 73-84 months (6) | 7.08% to 17.99% |
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: $30.34 per month per $1,000 borrowed at 5.83% APR for 36 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Other Collateral (Used) (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-36 months (2) | 6.83% to 17.99% |
| 37-60 months (4) | 7.58% to 17.99% |
| 61-72 months (5) | 7.83% to 17.99% |
| 73-84 months (6) | 8.08% to 17.99% |
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: $30.80 per month per $1,000 borrowed at 6.83% APR for 36 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
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Learn MoreNew Boats (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months (2) | 4.74% to 17.99% |
| 49-60 months (4) | 5.24% to 17.99% |
| 61-72 months (5) | 5.74% to 17.99% |
| 73-84 months (6) | 6.24% to 17.99% |
| 85-120 months (7) | 6.49% to 17.99% |
| 121-180 months (8) | 6.74% to 17.99% |
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
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000 | (7) Minimum loan amount $25,000 | (8) Minimum loan amount $50,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Used Boats (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months (2) | 4.74% to 17.99% |
| 49-60 months (4) | 5.24% to 17.99% |
| 61-72 months (5) | 5.74% to 17.99% |
| 73-84 months (6) | 6.24% to 17.99% |
| 85-120 months (7) | 6.49% to 17.99% |
| 121-180 months (8) | 6.74% to 17.99% |
LOAN TYPE
10 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
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000 | (7) Minimum loan amount $25,000 | (8) Minimum loan amount $50,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
New Recreational Vehicles (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months (2) | 3.49% to 11.99% |
| 49-60 months (4) | 3.49% to 11.99% |
| 61-72 months (5) | 3.49% to 12.49% |
| 73-84 months (6) | 3.49% to 12.74% |
| 85-120 months (7) | 3.74% to 14.99% |
| 121-180 months (8) | 3.99% to 14.99% |
| 181-240 months (9) | 3.99% to 5.49% |
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: 240 MO with a minimum FICO of 660
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: For LTV between 80.01%-90% or 10% down payment (-.25% discount) For LTV less than 80% or 20% down payment (-.50% discount)
Loan Payment Example: $22.39 per month per $1,000 borrowed at 3.49% APR for 48 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000 | (7) Minimum loan amount $25,000 | (8) Minimum loan amount $50,000 | (9) Minimum loan amount $100,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Used Recreational Vehicles (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-48 months (2) | 3.49% to 11.99% |
| 49-60 months (4) | 3.49% to 11.99% |
| 61-72 months (5) | 3.49% to 12.49% |
| 73-84 months (6) | 3.49% to 12.74% |
| 85-120 months (7) | 3.74% to 14.99% |
| 121-180 months (8) | 3.99% to 14.99% |
| 181-240 months (9) | 3.99% to 5.49% |
LOAN TYPE
10 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: 240 MO with a minimum FICO of 660
Loan Amounts $100,000 or Greater: 20% down payment is required
Purchases or Refinances: For LTV between 80.01%-90% or 10% down payment (-.25% discount) For LTV less than 80% or 20% down payment (-.50% discount)
Loan Payment Example: $22.39 per month per $1,000 borrowed at 3.49% APR for 48 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000 | (7) Minimum loan amount $25,000 | (8) Minimum loan amount $50,000 | (9) Minimum loan amount $100,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Other Collateral (New) (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-36 months (2) | 5.83% to 16.99% |
| 37-60 months (4) | 6.58% to 17.74% |
| 61-72 months (5) | 6.83% to 17.99% |
| 73-84 months (6) | 7.08% to 17.99% |
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: $30.34 per month per $1,000 borrowed at 5.83% APR for 36 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
Other Collateral (Used) (¥)
| MAXIMUM TERM | ANNUAL PERCENTAGE RATE |
| 0-36 months (2) | 6.83% to 17.99% |
| 37-60 months (4) | 7.58% to 17.99% |
| 61-72 months (5) | 7.83% to 17.99% |
| 73-84 months (6) | 8.08% to 17.99% |
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: $30.80 per month per $1,000 borrowed at 6.83% APR for 36 months
(¥) Lowest rate reflects a 0.500% discount for 20% down payment.
(2) Minimum loan amount $2,500 | (4) Minimum loan amount $7,500 | (5) Minimum loan amount $10,000 | (6) Minimum loan amount $15,000
*All rates and terms are dependent on credit worthiness.
Information accurate as of July 10, 2017
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.