Boat Financing and Loans

Get a recreational vehicle loan and get moving.

Have you always wanted a motorcycle, RV or boat? Our great rates and flexible financing can help you enjoy new adventures.

RV Loans

Motorhomes

Fifth wheel RVs

Travel trailers

Pop-up campers

Slide-on campers

Rates as low as 7.89% APR Annual Percentage Rate on new RVs.^{See note1}

Get started with a USAA RV Loan

Learn more about USAA RV Loan

Boat Loans

Many types of boats, excluding personal watercrafts such as Jet Skis®

Rates as low as 7.49% APR Annual Percentage Rate on new boats.^{See note1}

Get started With a USAA Boat Loan

Learn more About USAA Boat Loans

Motorcycle Loans

Motorcycles

Scooters

New dirt bikes

Our rates for new and refinanced loans are as low as 8.29% APR Annual Percentage Rate.^{See note1}

Get started With a USAA Motorcycle Loan

Learn more About USAA Motorcycle Loans

All listed rates include a 0.25% discount for using optional automatic payments.^{See note1}

Note 1 Displayed rates are our lowest Annual Percentage Rates (APR) and include a discount for optional automatic payments (0.25%). Lowest displayed rates on RV and Boat loans are for terms up to 60 months. Lowest displayed rates on Motorcycle loans are for terms up to 36 months. Annual Percentage Rates and terms are subject to change without notice. Rates vary based on approved credit and other factors, such as term, model year, and loan amount. Monthly payments vary based on (APR) for which borrower is approved, term for which vehicle is financed, and amount borrowed.

Boat and RV Financing Requirements: Financing for 36- to 72-month terms requires financed amount of $5,000 or greater and approved credit. Financing for 84- and 120-month terms requires financed amount of $10,000 or greater and approved credit. Financing for 180-month terms requires financed amount of $35,000 or greater and approved credit. Financing for 240-month terms requires financed amount of $100,000 or greater and approved credit. Maximum loan amounts apply and are subject to change without notice.

New Boat Payment Example: A 180 month new boat loan (model years 2024 to 2026) with an annual percentage rate (APR) of 9.00% would have monthly payments of $10.14 per one thousand dollars borrowed.

Used Boat Payment Example: A 180 month used boat loan (model years 2018 to 2023) with an annual percentage rate (APR) of 9.65% would have monthly payments of $10.53 per one thousand dollars borrowed.

Old Boat Payment Example: A 180 month used boat loan (model years 2017 and older) with an annual percentage rate (APR) of 9.90% would have monthly payments of $10.68 per one thousand dollars borrowed.

New RV Payment Example: A 180 month new RV loan (model years 2024 to 2026) with an annual percentage rate (APR) of 8.50% would have monthly payments of $9.85 per one thousand dollars borrowed.

Used RV Payment Example: A 180 month used RV loan (model years 2018 to 2023) with an annual percentage rate (APR) of 8.80% would have monthly payments of $10.02 per one thousand dollars borrowed.

Old RV Payment Example: A 180 month used RV loan (model years 2017 and older) with an annual percentage rate (APR) of 9.55% would have monthly payments of $10.47 per one thousand dollars borrowed.

Motorcycle Financing Requirements: Financing for 12- to 48-month terms on Motorcycle loan requires financed amount of $5,000 or greater and approved credit. Financing for 60-month term on Motorcycle loan requires financed amount of $10,000 or greater and approved credit. Financing for 72-month term on Motorcycle loan requires financed amount of $15,000 or greater and approved credit. Maximum loan amounts apply and are subject to change without notice.

Motorcycle Payment Example: A 36-month Motorcycle loan with an annual percentage rate (APR) of 9.75% would have monthly payments of $32.15 per one thousand dollars borrowed.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

While refinancing your current loan could result in a reduced rate and/or payment, choosing an extended term may cost you more in the long run. If you are currently receiving Servicemembers Civil Relief Act (SCRA) benefits or protections, your refinanced loan may no longer be eligible for benefits or the associated protections.

Bank products offered by USAA Federal Savings Bank.

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Motorcycle, RV and Boat Loans

We make it easy to finance your adventure.

Get a recreational vehicle loan and get moving.

RV Loans

Boat Loans

Motorcycle Loans