We provide financing for new boats, recreational vehicles, campers, and motorcycles at some of the best interest rates and terms.
- 100% financing available
- Refinancing available
- Simple application process
- Credit disability and life insurance are available on the loan
- Guaranteed asset protection (GAP) can be purchased for your vehicle
- Low cost on extended warranty
- In-house loan approval for your convenience
Not a member? Join today! Let us help you get the motorcycle, boat or recreational vehicle you’ve always dreamed of!
Lending Rates*
Motorcycle and Recreational Vehicle
(Motorcycle, Boat, Jet Ski, All-Terrain Vehicles and Tractors)
New
Up to 60 months 8.85%**
Up to 72 months 9.35%**
Up to 84 months 9.85%**
Up to 120 months 10.85%**
Used
Up to 60 months 9.85%**
Up to 72 months 10.35%**
Up to 84 months 10.85%**
Up to 120 months 11.85%**
*Rates are subject to change without notice
**Certain restrictions apply. For more information visit our main office or our Harlingen branch.
Explore Your Recreational Vehicle Financing Options
Whether you’re interested in cruising on a motorcycle, spending weekends on the water, or traveling in an RV, choosing the right recreational vehicle starts with understanding your options.
Valley Federal Credit Union offers financing options for members in Brownsville, Harlingen, and surrounding South Texas communities who are looking to purchase a motorcycle, boat, or recreational vehicle.
Motorcycle and ATV Financing
Motorcycles and all-terrain vehicles (ATVs) offer different ways to enjoy the open road and outdoor adventures. Whether you’re considering your first motorcycle or upgrading to a newer model, understanding your budget and available loan terms can help you make an informed decision.
Boat Financing
From recreational boating to fishing trips, owning a boat can provide opportunities to spend more time on the water. Before purchasing, consider the type of boat that fits your needs, along with expenses such as maintenance, storage, and insurance.
RV and Camper Financing
Recreational vehicles and campers combine transportation with living accommodations, making them popular options for road trips and extended travel. When exploring RV financing, consider the purchase price, ongoing maintenance, storage, and the monthly payment that fits your budget.
Find the Right Recreational Loan for Your Needs
At Valley Federal Credit Union, members can explore financing options for motorcycles, boats, and recreational vehicles. Our team can help you review available loan terms and better understand your financing options before making a purchase.
Contact Valley Federal Credit Union to learn more about recreational vehicle loans in Brownsville and Harlingen, TX.
How to Apply for a Motorcycle, Boat, or RV Loan
Ready to finance your next motorcycle, boat, or recreational vehicle? Valley Federal Credit Union offers financing options for eligible members in Brownsville, Harlingen, and surrounding South Texas communities.
Before applying, it’s helpful to gather the information you may need, including:
- Personal identification and contact information
- Employment and income information
- Details about the motorcycle, boat, or RV you plan to finance
- Information about the requested loan amount
Additional documentation may be required depending on your application and financing needs.
Explore our recreational loan options or contact Valley Federal Credit Union to learn more about the application process and membership requirements.
What to Know Before Applying for a Motorcycle Loan
Thinking about financing a motorcycle in Brownsville or Harlingen? Before applying, it’s helpful to understand the factors lenders may consider when reviewing your application.
Depending on the loan and your financial situation, these may include:
- Credit history: Your credit profile may influence your eligibility and available loan terms.
- Income and employment: Lenders may review your income to determine your ability to repay the loan.
- Debt-to-income ratio: Existing monthly debt obligations can affect how much financing you qualify for.
- Down payment: Depending on the loan terms, a down payment may be required or may help reduce the amount financed.
- Required documentation: You may need identification, proof of income, and other supporting information during the application process.
Before choosing a motorcycle, establish a budget that accounts for the purchase price, insurance, maintenance, and other ownership expenses.
Tips for Saving Money When Financing a Motorcycle, Boat, or RV
Before financing a motorcycle, boat, or recreational vehicle, take time to research your options and understand the total cost of ownership. Planning ahead can help you choose a vehicle and loan that fit your budget.
Here are a few ways to make a more informed purchase:
- Compare vehicle prices: Research different makes, models, and dealerships to find a vehicle that meets your needs and budget.
- Consider ongoing expenses: Factor in fuel, insurance, maintenance, storage, and potential repairs before deciding how much to borrow.
- Explore new and used options: A pre-owned motorcycle, boat, or RV may offer savings compared to purchasing a new model.
- Review financing terms: Compare interest rates, repayment periods, and estimated monthly payments to understand the overall cost of your loan.
Valley Federal Credit Union offers recreational financing options for eligible members in Brownsville, Harlingen, and surrounding South Texas communities. Explore our motorcycle, boat, and RV loan options to learn more about available financing.
