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
| 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
| 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. New and used boat/RV available terms up to 84 months (new and used). For example, a $50,000 new boat/RV loan (credit score 715+, 0-36 month term, 6.51% APR) would require 36 monthly payments of $1,532.68. Up to 110% NPP (Net Purchase Price), max 40% DTI. New model year is defined as 2026; used model year is defined no greater than six years old. Actual terms and rates may vary. Fixed rate with fixed payment. Various terms available. Loan-to-values based on collateral.