Up to 115% financing
Give yourself the option for some add-ons, or to reduce your down payment1
90 days to the first payment
Enjoy no payments for the first 90 days of your loan2
Loan somewhere else? For a limited time, let us Match or Beat your current rate when you refinance with us.
Refinance your boat, RV, motorcycle or ATV loan with us today and lower your monthly payments. Members Choice will match or beat your current rate by up to 1%. Terms and conditions apply.3
Boat, Motorcycle and RV Loans to get you weekend-ready.
Ready to hit the road, ride the waves, or cruise on two wheels? We’re here to help you get the financing for that boat, RV, or motorcycle, so you can live your best life. With simple options and a process that’s actually easy, we’ll help you make it happen without wrecking your budget.
Additional Recreational Vehicle Loan Benefits:
With lower interest rates than most dealer options, we can help you save money on your next recreational vehicle purchase.- Get up to 2.00% in standard rate discounts: .25% for an automatic loan payment transfer from an MCCU checking account, 1.00% for MCCU checking account direct deposit within 60 days of funding with a minimum of $1,000 per month, .25% for a new or existing MCCU Credit Card, .25% for MCCU extended warranty, and .25% for MCCU Payment Protection.
- HERO Members may be eligible for additional discounts.
- Affordable Guaranteed Asset Protection (GAP) and optional Multi-Shield Coverage to protect your vehicle from minor damage.
"Skip-A-Pay" on Your Boat or RV Loan
Free up some funds by skipping a qualified loan payment without impacting your credit score.
Start off with an estimated rate quote – No credit pull required
Fill out the short form below to hear from a Loan Officer within the next business day.
Ready to get your loan started?
Our local team of loan officers can work with you to find the best options for your new or used RV, boat, motorcycle or ATV loan.
Apply Online
Or call 281.754.1470 for questions, or to start a loan application by phone.
Apply in a Branch
To apply in branch, book an in-person appointment at a branch near you
Disclosures
*Annual Percentage Rate (APR) is accurate as of September 24, 2026. Loans are subject to credit approval. Rates are subject to change without notice. Rate shown is for a new or used boat, RV, Motorcycle or ATV for 12-36 months and includes standard rate discounts. HERO Members may be eligible for additional discounts. Payment example: 12 monthly payments of $85.15 per $1,000 borrowed at 3.99%. We offer other terms up to 180 months. View Current Consumer Loan Rates.
Financing is limited to vehicles with a valid Texas title. Out-of-state titled vehicles may not be eligible.
1Boats and RVs may be financed up to 115% loan-to-value (LTV) based on credit criteria.
2Interest still accrues during this time.
3 Rates and terms are for illustrative purposes only and are subject to change without notice and may end at any time. Members Choice Credit Union will Match or Beat a member's current external loan rate by 1%, as low as 4.99%. Proof of current rate is required. Changes to ownership and purchase do not qualify. Only select discounts apply. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer. Financing is limited to vehicles with a valid Texas title. Out-of-state titled vehicles may not be eligible. Other terms and conditions may apply.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval.