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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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Motorcycle, RV, Boat Loans

Adventure is calling. Feel free to answer.

Go full throttle down the highway. Discover new destinations off the beaten path. Feel the wind on the water. Andrews Federal Credit Union’s low-cost vehicle loans can help you hit the road and explore new horizons, wherever your journey takes you.

Affordable. Dependable. Flexible.

Why Finance Your Motorcycle, RV, or Boat Loan with Us?

You have options when it comes to motorcycle, RV, or boat loans - learn why ours are a great fit.

Flexible Financing Options

Loans available for motorcycles, RVs, and boats—with terms that fit your needs.

Low Rates and Easy Approval

Enjoy low interest rates, simple applications, and quick pre-approval before you buy.

Refinance and Save

Refinance your existing loan to lower your payments and free up cash.

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 months³	11.89%	$19.42
84 months²	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 months³

APR as low as

11.89%

Payment Per $1,000 Borrowed

$19.42

84 months²

APR as low as

12.39%

Payment Per $1,000 Borrowed

$18.05

Harley Davidson Motorcycle Loans - APRs listed are representative of what is currently offered as November 09, 2025, other rates and terms are available. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Term of 72 months requires a minimum loan amount of $15,000. Term of 84 months requires a minimum loan amount of $20,000.

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 Months³	12.89%	$20.23
84 Months²	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 Months³

APR as low as

12.89%

Payment Per $1,000 Borrowed

$20.23

84 Months²

APR as low as

13.39%

Payment Per $1,000 Borrowed

$18.61

New Motorcycle Loans (non Harley Davidson) - APRs listed are representative of what is currently offered as November 09, 2025., other rates and terms are available. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Term of 72 months requires a minimum loan amount of $15,000. Term of 84 months requires a minimum loan amount of $20,000.

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 months³	13.49%	$20.64
84 months²	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 months³

APR as low as

13.49%

Payment Per $1,000 Borrowed

$20.64

84 months²

APR as low as

13.99%

Payment Per $1,000 Borrowed

$18.95

Used Motorcycle Loans (non Harley Davidson) - APRs listed are representative of what is currently offered as November 09, 2025., other rates and terms are available. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Term of 72 months requires a minimum loan amount of $15,000. Term of 84 months requires a minimum loan amount of $20,000.

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 months³	14.49%	$21.12
84 months²	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 months³

APR as low as

14.49%

Payment Per $1,000 Borrowed

$21.12

84 months²

APR as low as

14.99%

Payment Per $1,000 Borrowed

$19.53

New Recreational Vehicle Loans - APRs listed are representative of what is currently offered as November 09, 2025., other rates and terms are available. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Term of 72 months requires a minimum loan amount of $15,000. Term of 84 months requires a minimum loan amount of $20,000.

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 months³	14.99%	$21.40
84 months²	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 months³

APR as low as

14.99%

Payment Per $1,000 Borrowed

$21.40

84 months²

APR as low as

15.49%

Payment Per $1,000 Borrowed

$19.83

Used Recreational Vehicle Loans - APRs listed are representative of what is currently offered as November 09, 2025., other rates and terms are available. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Term of 72 months requires a minimum loan amount of $15,000. Term of 84 months requires a minimum loan amount of $20,000.

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 months³	13.99%	$20.84
84 months²	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 months³

APR as low as

13.99%

Payment Per $1,000 Borrowed

$20.84

84 months²

APR as low as

14.49%

Payment Per $1,000 Borrowed

$19.24

New and Used Boat Loan Rates - APRs listed are representative of what is currently offered as November 09, 2025., other rates and terms are available. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Term of 72 months requires a minimum loan amount of $15,000. Term of 84 months requires a minimum loan amount of $20,000.

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 months³	14.99%	$21.40
84 months²	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 months³

APR as low as

14.99%

Payment Per $1,000 Borrowed

$21.40

84 months²

APR as low as

15.49%

Payment Per $1,000 Borrowed

$19.83

Used Boat Loan Rates - APRs listed are representative of what is currently offered as November 09, 2025., other rates and terms are available. Rates, terms and conditions vary based on creditworthiness and other qualifications and are subject to change. Minimum loan amount is $5000. Loan amount cannot exceed 120% of the MSRP or JD Power/NADA value of vehicle, not to exceed $150,000. Existing Andrews Federal vehicle loans cannot be refinanced for these rates/terms unless you are financing an additional amount of $5000 or more plus the existing loan balance. Subject to credit and collateral approval. Payments per $1000 examples are based on a sample loan balance of $25,000 at the rate and term shown. Payment examples do not include optional insurance products. A New Vehicle is a vehicle that is of the current or previous model year (up to a maximum of one year old) and is currently owned by the original owner of the vehicle. A Used Vehicle is a vehicle that is more than one model year old and/or is no longer owned by the original owner of the vehicle. Andrews Federal does not finance vehicles more than 10 model years old unless they are deemed a Classic vehicle. Term of 72 months requires a minimum loan amount of $15,000. Term of 84 months requires a minimum loan amount of $20,000.

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

Explore helpful articles on The Andrews Connection, our central information hub for the latest news, blogs, events, and updates.

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Quick Links

Refinance Auto Loans

Discover the benefits of refinancing your auto loan with Andrews Federal.

Vehicle Loans

Discover affordable vehicle loan options designed for you at Andrews Federal.

Personal Loans

Get the cash you need with Personal Loans and Lines of Credit from Andrews Federal.

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.

Motorcycle, RV & Boat Loans

Adventure is calling. Feel free to answer.

Why Finance Your Motorcycle, RV, or Boat Loan with Us?

Flexible Financing Options

Low Rates and Easy Approval

Refinance and Save

Ride, Relax, and Explore

Have You Placed a Freeze on Your Credit Report?

Frequently Asked Questions about Motorcycle, RV and Boat Loans

The Andrews Connection

Understanding and Accessing Your FICO® Score

Should You Refinance Your Mortgage?

What Does Homeowners Insurance Cover?

Quick Links

Refinance Auto Loans

Vehicle Loans

Personal Loans

You Are Now Leaving Andrews Federal Credit Union

Motorcycle, RV & Boat Loans

Apply Now

Are You a Member?

Not a Member Yet?

Adventure is calling. Feel free to answer.

Why Finance Your Motorcycle, RV, or Boat Loan with Us?

Flexible Financing Options

Low Rates and Easy Approval

Refinance and Save

Ride, Relax, and Explore

Have You Placed a Freeze on Your Credit Report?

Frequently Asked Questions about Motorcycle, RV and Boat Loans

The Andrews Connection

Understanding and Accessing Your FICO® Score

Should You Refinance Your Mortgage?

What Does Homeowners Insurance Cover?

Quick Links

Refinance Auto Loans

Vehicle Loans

Personal Loans