Vehicle Loans (Cars, Trucks, Boats, Snowmobiles, ATVs & More!)

Fancy a 4 x 4? Crave a coupe?

Get on the road with us.

A vehicle plays a key role in your story, getting you from point A to point Z and all points in between. We’ve got ways you can finance your everyday ride or your recreational one (boats, snowmobiles, ATVs, RVs and more). We offer several payment terms and 100% financing at most local dealers. You can also get pre-approved so your loan is ready when you find that perfect fit.

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  • Terms to suit your budget
  • Apply anytime, online, mobile, in person, or by phone
  • Easy pre-approvals - know before you shop!
  • Quick, local decision-making!

Check Your Vehicle's Value

Royal Credit Union Research Garage
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Do your own online auto buying research from anywhere! You can shop local inventory, research new vehicles, request a quote and apply for a loan. Our Royal Credit Union Research Garage is always open and ready before you ever set foot on the lot.

Go to Royal Credit Union Research Garage website



36-Month 2.99% APR*  $29.08 per $1,000 borrowed

48-Month 3.49% APR* $22.35 per $1,000 borrowed

60-Month 3.74% APR* $18.30 per $1,000 borrowed

72-Month ($10,000 Minimum) 4.49% APR*  $15.87 per $1,000 borrowed

84-Month ($20,000 Minimum) 5.15% APR*  $14.20 per $1,000 borrowed



24-Month 2.99% APR* $42.98 per $1,000 borrowed

36-Month 3.49% APR * $29.30 per $1,000 borrowed

48-Month 3.99% APR* $22.57 per $1,000 borrowed

60-Month 4.24% APR* $18.53 per $1,000 borrowed

72-Month ($10,000 Minimum) 4.99% APR*  $16.10 per $1,000 borrowed

Rates: Other Secured Collateral

Boats***, New and Used RVs, Motor Homes, Campers, Hauling and Travel Trailers***, Motorcycles, ATVs, Dirt Bikes, Farm Machinery, Garden Tractors, Jet Skis, and Snowmobiles

  APR* Monthly Payment
per $1000 borrowed
36-Month 3.49% $29.30
48-Month 3.99% $22.57
60-Month ** 4.49% $18.64
($10,000 minimum)
4.65% $15.94
($20,000 minimum)
4.80% $14.o4


The Fine Print
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*APR = Annual Percentage Rate. Rates current as of 8/29/2018. Last changed on 8/29/2018. The above rates are subject to change at any time without notice. Rates subject to credit approval. Down payment requirements may apply. Rates shown are lowest possible rate.Other rates and terms are also available.

** Monthly payment is based on payment per $1,000 for APR rate and term.

*** Boats, RVs, travel trailers, and motor homes can amortize up to 180 months with a five-year balloon at a 0.5% higher rate than the 60-month term. Balloon loans DO NOT qualify for GAP with ADR coverage.

Royal Credit Union is unable to finance boats without a state title.  Yachts or any large vessels that are registered with the U.S. Coast Guard do not have a state title and are therefore not eligible for financing.   

View our disclosures and service fees.

Transfer funds to/from your Royal Credit Union account to/from your other financial institution - Direct Payment Authorization