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Andrews Federal Credit Union is open on Friday, December 26, 2025. Wishing everyone a happy holiday season!

Get Ready for The Ride of Your Life.

Motorcycle, RV & Boat Loans

Enjoy low interest rates on motorcycle, RV, and boat loans with affordable financing for your favorite rides. Choose from a wide range of repayment periods to fit your budget.

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Ride, Relax, and Explore

Life is about balance. Providing for your family and saving for the future, while still making time to enjoy the ride. With low-rate loans for motorcycles, RVs, and boats plus an easy online application and pre-approval options, we make your next adventure surprisingly affordable.

Harley Davidson Motorcycle Loans
New Harley Davidson Motorcycle Loans APR as low as Payment Per $1,000 Borrowed

36 months

10.39%

$32.73

48 months

10.89%

$26.02

60 months

11.39%

$22.14

72 months*

11.89%

$19.42

84 months**

12.39%

$18.05

New Harley Davidson Motorcycle Loans

36 months

APR as low as

10.39%

Payment Per $1,000 Borrowed

$32.73

48 months

APR as low as

10.89%

Payment Per $1,000 Borrowed

$26.02

60 months

APR as low as

11.39%

Payment Per $1,000 Borrowed

$22.14

72 months*

APR as low as

11.89%

Payment Per $1,000 Borrowed

$19.42

84 months**

APR as low as

12.39%

Payment Per $1,000 Borrowed

$18.05

Harley Davidson Motorcycle Loans - A new Harley-Davidson motorcycle is defined as an untitled, current- or prior-model-year vehicle with fewer than 7,500 miles and you as the original owner. Payment examples exclude optional insurance products. Minimum loan amount is $5,000; maximum is $150,000. Financing is available up to 120% of the MSRP or JD Power/NADA value, inclusive of tags, title, taxes, and fees. All loans are subject to credit and collateral approval. Payments per $1,000 are based on a sample loan balance requires a minimum loan amount of $20,000. $25,000 at the rate and term shown. Andrews Federal does not finance motorcycles more than 10 model years old. Minimum loan amounts are $15,000 for *72-month terms and $20,000 for **84-month terms.

New Motorcycle Loans (non Harley Davidson)
New Motorcycle Loans APR as low as Payment Per $1,000 Borrowed

36 Months

11.39%

$33.23

48 Months

11.89%

$26.54

60 Months

12.39%

$22.67

72 Months*

12.89%

$20.23

84 Months**

13.39%

$18.61

New Motorcycle Loans

36 Months

APR as low as

11.39%

Payment Per $1,000 Borrowed

$33.23

48 Months

APR as low as

11.89%

Payment Per $1,000 Borrowed

$26.54

60 Months

APR as low as

12.39%

Payment Per $1,000 Borrowed

$22.67

72 Months*

APR as low as

12.89%

Payment Per $1,000 Borrowed

$20.23

84 Months**

APR as low as

13.39%

Payment Per $1,000 Borrowed

$18.61

New Motorcycle Loans (non Harley Davidson) - A new motorcycle is defined as an untitled, current- or prior-model-year motorcycle with fewer than 7,500 miles and you as the original owner. Payment examples exclude optional insurance products. Minimum loan amount is $5,000; maximum is $150,000. Financing is available up to 120% of the MSRP or JD Power/NADA value. All loans are subject to credit and collateral approval. Payments per $1,000 are based on a sample loan balance of $25,000 at the rate and term shown. Andrews Federal does not finance motorcycles more than 10 model years old. Minimum loan amounts are $15,000 for *72-month terms and $20,000 for **84-month terms.

Used Motorcycle Loans (non Harley Davidson)
Used Motorcycle Loans APR as low as Payment Per $1,000 Borrowed

36 months

11.99%

$33.54

48 months

12.49%

$26.85

60 months

12.99%

$22.99

72 months*

13.49%

$20.64

84 months**

13.99%

$18.95

Used Motorcycle Loans

36 months

APR as low as

11.99%

Payment Per $1,000 Borrowed

$33.54

48 months

APR as low as

12.49%

Payment Per $1,000 Borrowed

$26.85

60 months

APR as low as

12.99%

Payment Per $1,000 Borrowed

$22.99

72 months*

APR as low as

13.49%

Payment Per $1,000 Borrowed

$20.64

84 months**

APR as low as

13.99%

Payment Per $1,000 Borrowed

$18.95

Used Motorcycle Loans (non Harley Davidson) - Financing is available up to 120% of the MSRP or JD Power/NADA value, inclusive of tags, title, taxes, and fees. Payment examples exclude optional insurance products. Minimum loan amount is $5,000; maximum is $150,000. Existing Andrews Federal vehicle loans are not eligible for refinance at these rates or terms unless you are borrowing an additional $5,000 or more above the current loan balance. All loans are subject to credit and collateral approval. Payments per $1,000 are based on a sample loan balance of $25,000 at the rate and term shown. Andrews Federal does not finance motorcycles more than 10 model years old. Minimum loan amounts are $15,000 for *72-month terms and $20,000 for **84-month terms

New Recreational Vehicle Loans
New Recreational Vehicle Loans APR as low as Payment Per $1,000 Borrowed

36 months

12.99%

$34.05

48 months

13.49%

$27.38

60 months

13.99%

$23.54

72 months

14.49%

$21.12

84 months

14.99%

$19.53

New Recreational Vehicle Loans

36 months

APR as low as

12.99%

Payment Per $1,000 Borrowed

$34.05

48 months

APR as low as

13.49%

Payment Per $1,000 Borrowed

$27.38

60 months

APR as low as

13.99%

Payment Per $1,000 Borrowed

$23.54

72 months

APR as low as

14.49%

Payment Per $1,000 Borrowed

$21.12

84 months

APR as low as

14.99%

Payment Per $1,000 Borrowed

$19.53

New Recreational Vehicle Loans - Maximum financing is 120% of MSRP or JD Power or NADA retail value for eligible collateral, including new and used boats, motorcycles, all terrain vehicles, campers, travel trailers, and motor homes. Andrews Federal does not finance recreational vehicles more than 10 model years old. 

Definitions

  •  Recreational Vehicles: Recreational boats, motor and trailer packages, motorcycles, all terrain vehicles eligible for Department of Motor Vehicle registration, campers, and travel trailers. 
  •  Motor Homes: Must be self contained with climate control and include a built in stove, bed, toilet, and bath or shower. Collateral cannot be the borrower’s dwelling, household, or primary residence. Andrews Federal does not finance motor homes more than 10 model years old. 

Loan Terms

  • Minimum loan amount: $5,000
  • Maximum loan amount: $150,000 (motor homes financed up to 100% of MSRP or NADA value)
  • Term: Minimum 60 months; maximum 144 months, based on amount financed
Used Recreational Vehicle Loans
Used Recreational Vehicle Loans APR as low as Payment Per $1,000 Borrowed

36 months

13.49%

$34.31

48 months

13.99%

$27.64

60 months

14.49%

$23.81

72 months

14.99%

$21.40

84 months

15.49%

$19.83

Used Recreational Vehicle Loans

36 months

APR as low as

13.49%

Payment Per $1,000 Borrowed

$34.31

48 months

APR as low as

13.99%

Payment Per $1,000 Borrowed

$27.64

60 months

APR as low as

14.49%

Payment Per $1,000 Borrowed

$23.81

72 months

APR as low as

14.99%

Payment Per $1,000 Borrowed

$21.40

84 months

APR as low as

15.49%

Payment Per $1,000 Borrowed

$19.83

Used Recreational Vehicle Loans - Maximum financing is 120% of MSRP or JD Power or NADA retail value for eligible collateral, including new and used boats, motorcycles, all terrain vehicles, campers, travel trailers, and motor homes. Andrews Federal does not finance vehicles more than 10 model years old. 

Definitions

  •  Recreational Vehicles: Recreational boats, motor and trailer packages, motorcycles, all terrain vehicles eligible for Department of Motor Vehicle registration, campers, and travel trailers. 
  •  Motor Homes: A recreational vehicle must be self contained with climate control and include a built in stove, bed, toilet, and bath or shower. The collateral cannot be the borrower’s dwelling, household, or primary residence. 

Loan Terms

  • Minimum loan amount: $5,000
  • Maximum loan amount: $150,000 (motor homes financed up to 100% of MSRP or NADA value)
  • Loan terms (motor homes): Minimum 60 months; maximum 144 months, based on amount financed
New Boat Loan Rates
New Boat Loans APR as low as Payment Per $1,000 Borrowed

36 months

12.49%

$33.80

48 months

12.99%

$27.12

60 months

13.49%

$23.27

72 months

13.99%

$20.84

84 months

14.49%

$19.24

New Boat Loans

36 months

APR as low as

12.49%

Payment Per $1,000 Borrowed

$33.80

48 months

APR as low as

12.99%

Payment Per $1,000 Borrowed

$27.12

60 months

APR as low as

13.49%

Payment Per $1,000 Borrowed

$23.27

72 months

APR as low as

13.99%

Payment Per $1,000 Borrowed

$20.84

84 months

APR as low as

14.49%

Payment Per $1,000 Borrowed

$19.24

New Boat Loan Rates – Eligibility & Requirements

Definition of “New Boat”

A new boat or vessel is defined as one that has never been titled, registered, or sold.

Loan to Value (LTV) Guidelines

  • Applies to all new model types.
  • Minimum loan amount: $5,000
  • Maximum loan amount: Cannot exceed 120% of MSRP or NADA value, with a cap of $150,000.
  • Minimum loan amounts are $15,000 for 72 month terms and $20,000 for 84 month terms.
Used Boat Loan Rates
Used Boat Loans APR as low as Payment Per $1,000 Borrowed

36 months

13.49%

$34.31

48 months

13.99%

$27.64

60 months

14.49%

$23.81

72 months

14.99%

$21.40

84 months

15.49%

$19.83

Used Boat Loans

36 months

APR as low as

13.49%

Payment Per $1,000 Borrowed

$34.31

48 months

APR as low as

13.99%

Payment Per $1,000 Borrowed

$27.64

60 months

APR as low as

14.49%

Payment Per $1,000 Borrowed

$23.81

72 months

APR as low as

14.99%

Payment Per $1,000 Borrowed

$21.40

84 months

APR as low as

15.49%

Payment Per $1,000 Borrowed

$19.83

Used Boat Loan Rates – Guidelines & Requirements

Loan to Value (LTV)

  • Maximum LTV: Up to 120% of the MSRP or JD Power NADA retail value
  • Applies to all used model types
  • Minimum loan amount: $5,000
  • Maximum loan amount: Up to 120% of MSRP/NADA value, not to exceed $150,000
  • Minimum loan amounts are $15,000 for 72 month terms and $20,000 for 84 month terms
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Have You Placed a Freeze on Your Credit Report?

If you are ready to apply for a loan, please ensure you request the freeze be lifted by all three bureaus (Experian, Equifax, and TransUnion) before you complete your application.

Your Questions. Answered.

Frequently Asked Questions about Motorcycle, RV and Boat Loans

Learn more about the process of financing an motorcycle, RV and boat loans.

Do I need to be a member to apply for a vehicle loan?

You can start your application right away, but you’ll need to become a member to finalize your loan. It’s easy and takes just minutes to join.

Can I get pre-approved before visiting a dealership?

Yes! Pre-approval is highly recommended and can be completed online. It helps you shop with confidence and speeds up the buying process.

Can I finance a used vehicle?

Absolutely. We offer the same great rates and flexible terms for both new and used vehicles.

How can I get pre-approved for a loan?

Start your application online in just minutes. Pre-approval gives you a clear budget, making your vehicle shopping faster and stress-free.

What are the vehicle insurance requirements?

It is a requirement of Andrews Federal Credit Union that while your vehicle is financed with the Credit Union, you carry full coverage insurance on that vehicle. Should you fail to maintain the required insurance throughout the life of the loan, the Credit Union may purchase a policy for its own protection and pass the cost of the policy on to you, the borrower.

Please refer to the following primary insurance requirements:

  • Continuous insurance coverage with no lapses
  • Andrews Federal Credit Union, PO BOX 924539 Fort Worth, TX 76124 named as lien holder or loss payee
  • Comprehensive and collision coverage (or physical damage) with deductibles not greater than $1000
  • Proper collateral listed (VIN, Make, Model must all match what is listed on the loan documentation)
  • No restricted drivers

Please have your insurance company fax a declaration page showing the above coverage to 877-845-4631 or you may upload insurance directly to myloaninsurance.com/andrewsfcu.org

You may also call our insurance department directly with questions at 877-576-7640.

If you are planning to store your vehicle, approval is needed. Please contact us through your online banking secure messaging, in branch, or by calling 800-487-5500 for the requirements and necessary documentation.

Can I set up a recurring loan payment?

Log into digital banking and go to 'Loan Services', then go to 'Make a Loan Payment', and choose the frequency of the payment and start date.

Do you offer extended warranties for vehicles?

Yes, we offer Major Mechanical Protection (MMP). The cost varies depending on the plan type and vehicle.

The Andrews Connection

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We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Additional restrictions may apply.

*APR=Annual Percentage Rate.

90 Day Loan Deferral Option – First payment may be deferred for 90 days for qualified applicants only. Interest will continue to accrue from the date of loan disbursal and will become due once payments begin. Interest and credit insurance premiums (if applicable) continue to accrue during deferred-payment period. Andrews Federal reserves the right to change or end this special offer at any time. Payment deferral options are subject to approval and may not be available to all borrowers.

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Andrews Federal Credit Union makes no warranty, expressed or implied, regarding any external site nor is the Credit Union liable for transactions you enter into with any third parties.