Recreational Loans
Recreational Loans
You can start the adventure today, it’s super easy:
You pick your payment with flexible terms
Get approved in under 10 minutes!
Get pre-approved and let us handle the details with the dealership
Already have a recreational loan? Let us beat your rate!
Available Loans
Finance your favorite recreational vehicle and make memories that last a lifetime:
- RVs and Camper
- Boat
- ATV or UTV
- Motorcycle
- Snowmobile
- Jet Ski
- Fish House
See you on the playground!
Auto Loan Pre-Approval
Hassle-free, for a confident shopping experience.
Recreational loans offered by St. Cloud FCU provide individuals with a convenient and flexible way to finance their leisure activities. Whether you want to purchase a new boat, motorhome, ATV, or any other recreational vehicle, St. Cloud FCU understands the importance of enjoying life's adventures. These loans typically come with competitive interest rates, allowing members to make affordable monthly payments.
St. Cloud FCU also offers personalized and attentive service, guiding borrowers through the loan application process and ensuring they understand the terms and conditions. With recreational loans from St. Cloud FCU, members can turn their dreams of exploring the great outdoors into a reality, knowing that they have a trusted financial partner supporting their recreational endeavors.
Automatic Payments
Always on time, no worries!
Automatic payments offer numerous benefits, including when it comes to managing recreational loans. By setting up automatic payments, individuals can ensure that their monthly loan installments for recreational vehicles, such as boats, motorhomes, or ATVs, are paid on time without any effort. This eliminates the risk of missing payments and incurring late fees or penalties, helping borrowers maintain a positive credit history.
Additionally, automatic payments simplify financial planning and budgeting, as borrowers can anticipate their loan payments and allocate funds accordingly. With the convenience of automatic payments, individuals can focus more on enjoying their recreational activities and worry less about managing their loan obligations.
Pay online using your debit or credit card
Call us to make your loan payment virtually.
Loan Rates
Loan Calculators
Loan calculators are invaluable tools when it comes to planning and understanding the financial aspects of recreational loans. These online tools empower individuals to make informed decisions by providing accurate estimates of loan repayment amounts, interest rates, and loan terms.
Recreational loan calculators enable borrowers to assess different scenarios, such as adjusting the loan amount or term, and instantly see how these changes affect their monthly payments. This allows borrowers to tailor their loans to fit their budget and financial goals. With the ability to experiment and compare various loan options, individuals can confidently choose a recreational loan that suits their needs and preferences. Loan calculators bring transparency and clarity to the borrowing process, empowering borrowers to make well-informed decisions and embark on their recreational adventures with financial confidence.
Enter your desired payment, and calculate your loan amount. Or, enter the loan amount and calculate your monthly payment, and view/print your schedule of monthly payments.
Accidents Happen
Be fully protected!
Warranty
A loan warranty is a form of protection that borrowers can opt for when obtaining a loan, including recreational loans. It provides an added layer of security by covering the loan in case of unforeseen circumstances. A loan warranty typically includes provisions for loan repayment in the event of disability, unemployment, or death of the borrower. This means that if the borrower faces a qualifying situation, the loan warranty may step in to make payments or pay off the remaining loan balance.
By providing this safeguard, loan warranties offer borrowers and their families peace of mind and financial stability during challenging times. It is important for individuals considering a loan to carefully review the terms and conditions of a loan warranty and assess whether it aligns with their needs and priorities. Protect your vehicle by adding an affordable warranty. Mechanical problems can happen to anyone. Make sure you’re covered!
Guaranteed Asset Protection (GAP)
GAP covers the difference between your primary carrier’s insurance settlement and the amount of your loan. GAP also offers an Auto Deductible reimbursement in the event of an accident. GAP (Guaranteed Asset Protection) coverage is an additional insurance option available for borrowers, particularly for those with recreational loans. It serves as a safeguard by covering the gap between the insurance settlement provided by the primary carrier and the remaining loan balance in the event of a total loss or theft of the insured vehicle.
This means that if the primary insurance settlement is less than the outstanding loan amount, GAP coverage steps in to bridge the difference, protecting borrowers from potential financial burdens. Additionally, some GAP policies offer an Auto Deductible reimbursement feature. In the unfortunate event of an accident, this reimbursement helps cover the deductible amount stated in the primary insurance policy. By providing this additional layer of protection, GAP coverage offers borrowers peace of mind and financial stability, ensuring they are not left with unexpected expenses and obligations in the face of unfortunate circumstances.
Debt Protection
Debt Protection helps protect your dreams and safeguard your family from financial hardship. It also protects your collateral and credit history, all for just pennies a day. Debt Protection is a valuable service that goes beyond mere loan coverage, offering comprehensive protection for borrowers and their families. By opting for Debt Protection, individuals can safeguard their dreams and aspirations by ensuring that their loan obligations are met, even during unexpected situations. In the event of disability, unemployment, or loss of life, Debt Protection steps in to make loan payments, preventing financial hardship and allowing borrowers to focus on recovery or rebuilding without the added stress of loan repayments.
Submitting Proof of Insurance
I received a letter requesting a current copy of my insurance. How do I provide that to you?
For your convenience, you or your insurance agent may furnish evidence of insurance in the following ways:
- Use the Reference ID on your letter to access your account on www.myinsuranceinfo.com. You should have your insurance policy on hand when you visit the insurance verification website.
- Drop off or mail a copy of your insurance policy meeting the required conditions to your local branch.
What is required and acceptable as evidence of insurance?
For your convenience, you or your insurance agent may furnish evidence of insurance in the following ways:
- List St. Cloud Financial Credit Union as Lienholder or Loss Payee
- Must include Comprehensive Coverage
- Must include Collision Coverage
Become A Member with St. Cloud FCU For Your RV Loan
By joining St. Cloud FCU, individuals can become part of a cooperative financial institution, gaining access to a range of member benefits and services beyond their recreational loan. These benefits can include higher interest rates on savings, lower fees, and opportunities for financial education and community involvement. Choosing St Cloud FCU for a recreational loan not only offers favorable terms and personalized service but also allows individuals to become part of a trusted financial community that prioritizes their well-being and financial success.