Life is Better Outdoors
There is nothing like time on the water or the open road. A boat or RV isn't just a purchase. It is time with family, trips with friends and memories you'll keep.
With a Boat or RV Loan from United Bank, financing your next adventure is straightforward. We offer flexible options designed to help you get out there, without unnecessary stress.
You'll work with local lenders who understand your goals - not a call center. You've been talking about it long enough. Finance your new boat or RV with a rate that is tough to match.
Why Choose United Bank for Boat and RV Loans*
• Competitive rates and flexible repayment terms
• Financing for new or used boats and RVs
• Local lending decisions
• Automatic payment options for convenience
• Financing for new or used boats and RVs
• Local lending decisions
• Automatic payment options for convenience
Perfect for
Fishing boats and pontoon boats
Ski boats and personal watercraft
Travel trailers and fifth wheels
Motorhomes and campers
New Rates
Current year (2026) and New. Rates shown are the lowest available APR by term and credit score tier.
| Term | Credit Score 715+ |
Credit Score 714–665 |
Credit Score 664–615 |
|---|---|---|---|
| 0-36 Months | 4.99% APR* | 5.54% APR* | 8.39% APR* |
| 37-60 Months | 4.99% APR* | 5.52% APR* | 8.28% APR* |
| 61-72 Months | 5.39% APR* | 5.75% APR* | 8.50% APR* |
| 73-84 Months | 6.13% APR* | 6.48% APR* | N/A |
| 85-120 Months | 7.09% APR* | 7.44% APR* | N/A |
Used Rates
No greater than 6 years. Rates shown are the lowest available APR by term and credit score tier.
| Term | Credit Score 715+ |
Credit Score 714–665 |
Credit Score 664–615 |
|---|---|---|---|
| 0-36 Months | 7.18% APR* | 7.93% APR* | 10.21% APR* |
| 37-60 Months | 7.47% APR* | 8.22% APR* | 10.59% APR* |
| 61-72 Months | 7.82% APR* | 8.57% APR* | 10.96% APR* |
| 73-84 Months | 8.39% APR* | 9.14% APR* | N/A |
| 85-120 Months | 9.33% APR* | 10.08% APR* | N/A |
A bad day on the road or water is better than a good day in the office. You've been talking about it long enough. Finance your boat or RV with a rate that is tough to match.
Contact Us Today:
Visit your local branch, call us at 800-423-7026, or fill out the form below.
*APR = Annual Percentage Rate. Subject to credit approval. Rates and terms may vary based on creditworthiness. New and used boat and RV loans available for terms up to 120 months. New model year defined as 2026 or unregistered; used must be within 6 model years. Example: $50,000 loan at 4.99% APR for 60 months is approximately $943.33 per month. A 0.25% rate reduction is available with automatic payments from a United Bank account. Additional terms may apply. See bank for details.