Motorcycle, Boat & RV Loans
Finance Your Fun
Finance Your Fun
Get a low rate on your ride.
Feeling the Wind Is Just a Loan Away
No matter how you move—by boat, RV, four-wheeler or even jet-ski—we can help finance your fun. Our loans come with low rates and great benefits, and you'll be ready to hit the road or water in no time at all.
-
![]()
Motorcycles & mopeds -
![]()
Personal watercraft (boats, jet-skis, etc.) -
![]()
Campers & recreational vehicles (RVs) -
![]()
Travel trailers -
![]()
All-terrain vehicles (ATVs) -
![]()
Snowmobiles
Auto Loan Features & Benefits
- Loan options with no down payment
- 24/7 access to a stateside member rep
- Discounts for military members1
- Refinancing available for non-Navy Federal loans
Calculate Your Payment2
Use our Auto Loan Calculator to find the best monthly payment for you.
Rates2
| Loan Type | up to 36 mos. APR as low as | 37-60 mos. APR as low as | 61-72 mos. APR as low as | 73-84 mos. APR as low as | 84-180 mos. APR as low as |
|---|---|---|---|---|---|
| New Boat | 5.95% | 7.95% | 7.95% | 7.95% | 7.95% |
| Used Boat | 7.45% | 8.00% | 8.00% | 8.90% | 8.90% |
| New Motorcycle | 6.95% | 6.95% | 6.95% | 8.30% | n/a |
| Used Motorcycle | 6.99% | 9.05% | 9.05% | n/a | n/a |
| Other Eligible Vehicles | 7.99% | 7.99% | 8.80% | 8.80% | 8.80% |
Rates as of Dec 06, 2021 ET.
Call 1-888-842-6328 or visit a branch to apply for a loan now.
Auto Learning Center
-
Are You Ready for the Boat, RV or Motorcycle of Your Dreams?
Ask yourself the right questions to see if you're ready for adventure.
Learn Moreabout Are You Ready for the Boat, RV or Motorcycle of Your Dreams? -
How to Prepare for Your First Motorcycle
Learn what it takes to finally get out on the open road.
Learn Moreabout How to Prepare for Your First Motorcycle
Disclosures
Direct deposit required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active Duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions.
↵Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. Boat and recreational vehicles must be used for recreational purposes only.
Boats: New boat loan of $20,000 for 3 years at 5.95% APR will have a monthly payment of $611.
$25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months.
New Motorcycles: 2020, 2021 and 2022 model years with less than 1,000 miles. New motorcycle loan of $15,000 for 3 years at 6.95% APR will have a monthly payment of $465.
$25,000 minimum amount financed for 61-72 months. $30,000 minimum amount financed for 73-84 months.
Used Motorcycles: 2019 and older model years, or more than 1,000 miles regardless of title history. $25,000 minimum amount financed for 61-72 months.
Other Collateral: Loan for other collateral of $15,000 for 3 years at 7.99% APR will have a monthly payment of $473.
$25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months. Collateral loans available for up to 180 months for home improvement on your primary residence.