Recreational Vehicle Loans 

Finance your next adventure or equipment purchase with recreational vehicle financing from OCCU. We offer financing for RVs, motorcycles, ATVs, side-by-sides, boats, personal watercraft, and tractors.

  • Up to 100% financing available for new and used vehicles 
  • Competitive rates and affordable monthly payment options 
  • Flexible loan terms for RVs, boats, motorcycles, ATVs, and more

Explore Recreational Vehicle Financing Options 

Explore financing options for a variety of recreational vehicles with competitive rates and flexible loan terms designed to fit your budget.

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RV Loans

Finance an RV, camper, motorhome, or travel trailer for your next family adventure.

Rates as low as 8.74% APR*
Loan terms up to 180 months
Partner dealer financing available

<p>Apply Now</p>

Motorcycle icon representing motorcycle, ATV, quad, and side-by-side financing.

Motorcycle & ATV Loans

Finance a new or used motorcycle, ATV, quad, or side-by-side for the road or trail.

Rates as low as 9.99% APR1
Loan terms up to 72 months
Fast pre-approval available

<p>Apply Now</p>

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Boat & Watercraft Loans

Finance boats and personal watercraft for weekends on the lake and beyond.

Boat rates as low as 8.74% APR2
Watercraft rates as low as 9.99% APR3
Loan terms up to 180 months

<p>Apply Now</p>

Tractor icon representing financing for new and used tractors.

Tractor Loans

Finance a new or used tractor with flexible loan options for your equipment needs.

Rates as low as 9.99% APR4
Loan terms up to 60 months
New and used options available

<p>Apply Now</p>

Why Finance with OCCU?

We make financing simple, flexible, and affordable. We offer competitive recreational vehicle financing options with flexible terms, fast pre-approval, and financing for a variety of vehicle types.

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Up to 100% Financing

Competitive rates and flexible financing options for new and used recreational vehicles and equipment.

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Flexible Loan Terms 

Choose loan terms designed to fit your budget and the type of vehicle you’re financing.

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Quick Pre-Approval 

Get pre-approved to use as leverage while you shop around for the right vehicle.


View Rates

Ready for Your Next Adventure?

 Apply online in minutes and start financing your recreational vehicle with OCCU.

Helpful Tools and Resources

Explore tools and resources to help you compare financing options and estimate your monthly payment. 

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Payment Calculator

Estimate your monthly payment and explore different loan scenarios.

Calculate Your Payment

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Recreational Vehicle Rates

View current rates for recreational vehicle and tractor loans from OCCU.

View Rates

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Auto Loans

Explore financing options for new and used vehicles with competitive rates and flexible terms.

View Auto Loans

Frequently Asked Questions

You can apply online or connect with the OCCU lending team to explore financing options for your next vehicle or equipment purchase.

Oklahoma Central Credit Union offers financing for RVs, motorcycles, ATVs, side-by-sides, boats, personal watercraft, and tractors.

Yes. Financing may be available for both new and used recreational vehicles and equipment, depending on the vehicle type and qualifications.

Loan terms vary by vehicle type. Some loans may offer terms up to 180 months for qualified borrowers.

Yes. Pre-approval is available and can help you shop with confidence while exploring financing options.

No. OCCU vehicle loans do not include a prepayment penalty, so you can pay off your loan early without additional fees.

Yes. Debt Protection may be available for qualifying vehicle loans to help provide additional financial protection for unexpected life events.

Yes. Financing may be available through select partner dealers depending on the vehicle type.

*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/26 and 60-month financing. A $10,000 loan at 8.74% APR with 60 monthly payments will be $207 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

1APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/26 and 60-month financing. A $10,000 loan at 9.99% APR with 60 monthly payments will be $213 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

2APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/26 and 60-month financing. A $10,000 loan at 8.74% APR with 60 monthly payments will be $207 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

3APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/26 and 60-month financing. A $10,000 loan at 9.99% APR with 60 monthly payments will be $212 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

4APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate quoted as of 04/01/26 and 60-month financing. A $15,000 loan at 9.99% APR, with 60 monthly payments, will be $319 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.