1. Personal
  2. Recreational Loans

Recreational Loans7

Start Your
Next Adventure

Apply for a rec loan

Are you a KTVAECU Member?

Yes, Apply in Digital Banking
No, Start Application
Man and woman holding up KTVAECU mugs at a campfire

Boat, Motorcycle, RV, & ATV Loans

Whether you’re shopping for a boat, camper, motorcycle, ATV, or other recreational vehicle, we make financing simple with competitive rates, flexible terms, and local support from start to finish.

  • Finance up to 100% for qualifying Members
  • Enjoy no application fees and competitive rates on both new and used recreational vehicles
  • Flexible loan terms to fit your budget
  • Add extra peace of mind with optional debt protection2 and GAP coverage3
  • Convenient process by applying through participating Preferred Dealers
Start Loan Application
Man standing on the edge of a boat casting a fishing rod into a lake

Current Rates

New Recreational Loan4
As Low As
6.99
%
APR
Used Recreational Loan5
As Low As
7.99
%
APR
New Auto Loan1
As Low As
5.99
%
APR
Used Auto Loan6
As Low As
6.99
%
APR
See All Rates

Start Your Search

Find the right vehicle, understand what it’s worth, and get the details you need before you buy—all with helpful car-shopping tools in one place.

  • Find your next ride: Browse local inventory from our Preferred Dealers with AutoSMART Vehicle Search. Search by make and model to explore cars, motorcycles, boats, RVs, and more.
  • Know what it’s worth: Use J.D. Power to research vehicle values, compare pricing, estimate the value of your current vehicle, and find helpful car-buying insights.
  • Check the details: Found a vehicle you love? Use CARFAX to review its history, service records, warranty information, and more before making your decision.
Explore Our Preferred Dealerships
Man hugging daughter with camper and family in the background

Ways to Pay

You have several options to pay back your recreational loan. Pay via digital banking, phone, or in-person. Contact us to skip a payment if you need extra flexibility.

Computer

Digital Banking

Use your digital banking profile to manage your loan anytime, anywhere.

Make Your Payment
Phone

Pay By Phone

Call us to make a payment over the phone.

Give Us A Call
Branch

Pay in Person

Find a branch and pay in person if you prefer.

Find a Branch
Dollar Bills

Payment Portal8

Use our secure online payment center to make payments from another financial institution. A $5.00 convenience charge will apply.

Access the Payment Portal
Mail

Mail Your Payment

Send your payment to

Knoxville TVA Employees Credit Union
Attn: Loan Payments
PO Box 36027
Knoxville, TN 37930

Notice

Skip-A-Payment9

Skip a payment if you need extra flexibility. Loans must be up-to-date. A $35.00 fee per skipped payment applies.

Skip a Payment

Visit our Make-A-Payment page to learn more!

Get GAP Coverage

Guaranteed Asset Protection10 (GAP) provides extra coverage beyond your auto insurance. GAP steps in to cover the difference between what your insurance company pays, your loan balance, and up to $1,000.00 of your deductible. We even provide $1,000.00 toward the purchase of a replacement vehicle if financed through us within 90 days.

Contact us to add GAP coverage
Man sitting on camper steps and looking at cell phone

Recreational Loan FAQs

Not finding the information you need? Contact Us

Recreational loans can be used to finance eligible boats, motorcycles, RVs, campers, ATVs, and other recreational vehicles. Loan options may vary depending on the type, age, and value of the vehicle.

Yes. We offer financing options for both new and used recreational vehicles, with competitive rates and flexible terms based on the vehicle and your qualifications.

No. We do not charge an application fee for recreational loans.

Applying before you shop can help you understand your financing options and budget before choosing a recreational vehicle. Once approved, you can shop with a clearer idea of what fits comfortably within your price range.

Yes. You may be able to apply for financing and complete your loan paperwork through one of our Preferred Dealers, making the purchasing process more convenient.

GAP coverage may be available to help cover the difference between what you owe on your loan and the value of the vehicle if it is totaled or stolen. Contact us about available protection options for your loan.

Yes, eligible borrowers may have the option to add debt protection for additional peace of mind. Coverage and eligibility requirements may vary.

Ready for Adventure?

Reach out to us or apply online to start your application when you’re ready to explore.

Get in Touch
Contact Us
Log in to Apply
Online Banking
Visit Us
Find a branch near you
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Disclosures

  1. APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness.

  2. Debt Protection available through third-party partner TruStage™. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply. TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER’S CHOICE credit life and credit disability insurance underwritten by CMFG Life Insurance Company.

  3. Service available through third-party partner SWBC Financial Institution Group. Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It may not protect the entire deficiency. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply.

  4. APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new recreational vehicles with terms 85 to 96 months of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details. Payment is for example purposes only: monthly payment of $148.72 per $10,000.00 for 84-month term at 6.99% APR.

  5. APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment is for example purposes only: monthly payment of $153.52 per $10,000.00 for 84-month term at 7.99% APR.

  6. Fee for loan payments made online through Make-A-Payment is $5.00 per payment. Effective October 6, 2026, $5.00 per payment fee is waived when payments are made using Make-A-Payment online/mobile link for KTVAECU Visa® Platinum and KTVAECU Business Visa Credit Cards. Some restrictions may apply. Ask for details.

  7. Skip-A-Payment is not valid on real estate loans, business loans, line-of-credit loans, or credit cards. $35.00 fee applies to each skip-a-payment. All qualifying loans must be current and in good standing. Maximum number of 2 skips are allowed per rolling 12-month period. Back-to-back skips are allowed if qualifications are met. Ineligible loans will not be deferred. Credit Union will not be responsible for any payments, deposits, or other communications of forms lost in the mail. Skip-A-Payment is subject to Credit Union approval. By utilizing Skip-A-Payment, you acknowledge that KTVAECU will be extending your loan and final payment by one month on each loan designated. Interest will continue to accrue on your loan during the month that you skip your payment. If a GAP Waiver insurance policy was purchased at the origination or during the course of the loan, doing any Skip-A-Payment may have an adverse impact as to how a GAP claim is paid by the GAP insurance carrier. The Credit Union will not be liable for any denial of GAP benefits created by Skip-A-Payment products.