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Recreational Loans

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Finance Your Next Adventure

Whether you're planning weekends on the water, exploring scenic highways, or heading off the beaten path, Circle Federal Credit Union offers financing to help make your recreational goals a reality.

From motorcycles and ATVs to boats, campers, and horse trailers, our recreational vehicle loans feature competitive rates, flexible financing options, and personalized service from a local lending team. Whether you're purchasing new or used equipment, we're here to help you finance your next adventure with confidence.

 

What Can You Finance?

Circle FCU finances a wide variety of recreational vehicles and outdoor equipment, including:

  • Boats
  • Motorcycles
  • Jet Skis and other personal watercraft
  • ATVs and UTVs
  • Golf carts
  • Snowmobiles
  • Camper trailers
  • Horse trailers
  • Other qualifying recreational vehicles

If you're unsure whether your purchase qualifies, our loan officers can review your financing options and answer any questions before you apply.

 

Purchasing a Recreational Vehicle

Buying a recreational vehicle is different from purchasing a daily driver. Before making your decision, consider:

Your Budget
In addition to your monthly loan payment, remember to budget for:
  • Insurance
  • Registration and licensing
  • Fuel
  • Routine maintenance
  • Storage, if applicable
  • Seasonal winterization or upkeep

Understanding the total cost of ownership helps ensure your purchase fits comfortably within your budget.

How You'll Use It
Different recreational vehicles serve different purposes.

For example:

  • Boats are ideal for fishing, watersports, and family outings.
  • Motorcycles offer economical transportation and recreational riding.
  • Campers provide comfortable travel accommodations.
  • ATVs and UTVs are excellent for trails, hunting, farming, and outdoor recreation.
  • Horse trailers safely transport livestock while supporting equestrian activities.

Choosing the right vehicle depends on your intended use, frequency of travel, and long-term plans.

 

Why Finance With Circle FCU?
Competitive Rates
Circle FCU offers competitive fixed-rate financing designed to keep your monthly payments affordable while helping you enjoy the recreational vehicle you've been dreaming about. Current Adventure Loan rates vary based on credit qualifications and are available for both new and used recreational vehicles.
Flexible Loan Terms
Loan terms are based on the amount financed and the type of collateral, with maximum terms of up to 180 months for qualifying Adventure Loans. Longer repayment terms may help reduce monthly payments while allowing you to purchase the vehicle that best fits your lifestyle.
Finance New or Used Vehicles
Whether you're purchasing a brand-new boat or a pre-owned motorcycle, Circle FCU finances both new and used recreational vehicles, subject to underwriting guidelines.
Local Lending Decisions
Unlike many national lenders, Circle FCU provides personalized service from experienced loan officers who understand the local community. You'll work with a real person throughout the lending process—not an automated system.

 

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