Recreational Loans

Hit the open road (or water) and start making memories today.

Make your dream of owning an RV, ATV, motorcycle, or boat a reality with a Recreational Loan. What are you waiting for? Get pre-approved, and you’ll be headed outdoors in no time.

Product Features
Low Rates

As a nonprofit cooperative, we keep our loan rates low by returning profits to our members in the form of better rates.

No Application Fees

Ever.

Convenient Payment Options

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Pay Back On Your Terms

Pay at a pace that is right for you with some Recreation Loan terms up to 144 months.

Apply Conveniently

Apply for an Recreation Loan in the way you find most convenient: online, in a branch, telephone, or complete it all on-site at a participating dealership.

Borrow at 100%

Borrow up to 100% of the recreational vehicle's cost. This gives you access to the experiences you truly want.

Cross-Sell Products
Accident Prevention
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Auto Insurance
Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

Whats It Worth
What’s It Worth?

Get pricing and information on new cars, used cars, classic cars, motorcycles, RVs, and manufactured homes from the NADA.

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Recreational Loans

Loans APR Maximum
New/Used Motorcycle or ATV/UTV with NADA Retail More than $10,000 as low as 4.00% 60 - 72 Months
New Motorcycle or ATV/UTV as low as 3.99% 60 Months
Used Motorcycles or ATV/UTV as low as 4.49% 60 Months
New/Used Motor Home, New 5th Wheel, or New Travel Trailer as low as 4.50% 84 Months
Used Travel Trailer or 5th Wheel as low as 4.50% 72 Months
New Boat as low as 3.99% 72-120 Months
Used Boat as low as 3.99% 60-72 Months
Used Boat - Previous 3 years & up (Minimum Loan Amount $25,000) as low as 5.99% 120 Months
New Waverunner or Personal Watercraft as low as 4.29% 60-72 Months
Used Waverunner as low as 5.75% 60 Months
Effective 9/21/2020
Calculators
How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

Participating Dealerships
Vehicle and loan on the spot.

When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.

Additional Questions?

Listerhill has been consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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Vehicle Options
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Home Options
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Common Links

Frequently Asked Questions

  • What is a land loan?

    A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land. 

    Once you’re ready to build, you can secure a different type of loan to cover construction costs.

  • Who is a HELOC best for?

    If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.

  • Who is a Home Equity Loan best for?

    If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.

  • What can home equity loans be used for?

    Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks.  If you can dream it, you can achieve it!

  • What type of requirements exist for home equity loans?

    Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.