To continue enjoying all the features of Navy Federal Online, please use a compatible browser. Confirm your browser capability.

Finance Your Fun

Finance Your Fun

Get a great rate on your ride. 

Feeling the Wind Is Just a Loan Away

No matter how you move—by boat, RV, four-wheeler or even jet-ski—we can help finance your fun. Our loans come with great rates and benefits, and you'll be ready to hit the road or water in no time at all.

  • Motorcycles & mopeds
  • Personal watercraft (boats, jet-skis, etc.)
  • Campers & recreational vehicles (RVs)
  • Travel trailers
  • All-terrain vehicles (ATVs)
  • Snowmobiles

Loan Features & Benefits

  • Loan options with no down payment
  • 24/7 support from a stateside member rep
  • Discounts for active duty and retired military membersFootnote 1
  • Refinancing available for non-Navy Federal loans

Calculate Your Payment

Use our Auto Loan Calculator to find the best monthly payment for you. Footnote 2 Footnote 3

Get Started

RatesFootnote 3

Rates Table
Loan Type up to 36 mos. APR as low as 37-60 mos. APR as low as 61-72 mos. APR as low as 73-84 mos. APR as low as 85-180 mos. APR as low as
New Boat 8.45% 10.45% 10.45% 10.45% 10.45%
Used Boat 8.95% 10.50% 10.50% 11.40% 11.40%
New Motorcycle 8.95% 9.45% 9.45% 10.80% n/a
Used Motorcycle 8.95% 11.55% 11.55% n/a n/a
Other Eligible Vehicles 8.95% 8.95% 11.30% 11.30% 11.30%

Rates as of Nov 22, 2024 ET.

Call 1-888-842-6328 or visit a branch to apply for a loan now.

Disclosures

1

Direct deposit required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active Duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions.

↵
2

By entering variables such as purchase price, down payment, term and interest rate you can see how they can impact monthly payments and what it will take to pay off a car loan.

↵
3

Credit and collateral subject to approval. Advertised “as low as” annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount. Rates subject to change. Boat and recreational vehicles must be used for recreational purposes only.

Boats: $25,000 minimum amount financed for terms of 61-84 months. $30,000 minimum amount financed for terms over 84 months. Payment example: New boat loan of $20,000 for 3 years at 8.45% APR will have a monthly payment of $635. 

New Motorcycles: New Motorcycles: 2023 and newer model years with less than 1,000 miles. $25,000 minimum amount financed for terms of 61-72 months. $30,000 minimum amount financed for terms of 73-84 months. Payment example: New motorcycle loan of $15,000 for 3 years at 8.95% APR will have a monthly payment of $480.

Used Motorcycles: 2022 and older model years, or more than 1,000 miles, regardless of title history. $25,000 minimum amount financed for terms of 61-72 months.

Other Collateral: $25,000 minimum amount financed for terms of 61-84 months. $30,000 minimum amount financed for terms over 84 months. Payment example: Loan for other collateral of $15,000 for 3 years at 8.95% APR will have a monthly payment of $480.

↵