Score an extra 0.50% APR discount on new to Heartland recreational vehicle loans.*
From winding mountain roads to weekend lake getaways, we’ll help you roll into your next adventure with a loan that goes the distance.
*APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
Today's Recreational Vehicle loan rates
View ratesTitled vehicles (except camper trailers)
36 months as low asNon-titled vehicles plus camper trailer
36 months as low asTitled vehicle examples
Titled vehicles include: motorcycles, larger boats, and motorhomes. Note that although camper trailers require a title, their rate is the same as a non-titled vehicle.
Non-titled vehicle examples
Non-titled vehicles include: dirt bikes, 4-wheeler/ATV, side-by-side/UTV, and jet skis. Note that although camper trailers require a title, their rate is the same as a non-titled vehicle.
Affordable payments
Choose a recreational vehicle loan with the term and rate option that fits your budget.
Easy application
Thanks to our quick and easy online recreational vehicl loean application, you can apply when and where it is most convenient for you.
Fast approval
Never miss an opportunity to take an adventure. Heartland's quick application review and approval process helps you complete your purchase sooner.
Rate comparison
Based in Madison, WI, DataTrac helps you compare the best rates available for new or used vehicle loans helping you save time and money during the shopping process.
Have a question?
Come meet our amazing team. As a trusted credit union in the area, we can help you find home equity loans in Wisconsin that match your needs.
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Monthly Payment
You work hard and play hard
We work to offer lower rates and longer terms so you have a more affordable monthly payment, making your adventure more budget-friendly.
The RV I purchased was through an auction so everything was last minute. Chris went out of his way to get the loan approved quickly. I was happy with the whole experience. When it was complete I felt like I had made a new friend.
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1
Complete an application
Apply online or in-person at any branch location for the loan amount you want for your vehicle purchase.
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2
Get approved
We will review your application and quickly inform you of your approval status.
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3
Purchase your vehicle
Once approved, use your loan funds to purchase a new or used vehicle, and then manage your loan payments directly through digital banking.
Low-Interest UTV and ATV Loans in Wisconsin
With multiple loan options to give you low monthly payments and flexible terms, buying a new or used recreational vehicle is easier than ever.
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*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2024 and newer), % – % (2023 – 2016), % – % (2015 – 2010), % – % (2009 and older), and % – % (other recreation vehicles 2016 and newer) APR based on your credit history. Rates and terms are subject to change based on market conditions and borrower eligibility. Normal lending policies apply. Estimated lowest monthly payment examples = (2024 and newer), (2023 – 2016), (2015 – 2010), (2009 and older), (other recreation vehicles 2016 and newer), per $1,000 for 36 months.
Rates
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer) Rates
| Term | Regular APR as low as* | Promo APR as low as ** |
|---|---|---|
|
Up to 36 months |
|
4.74 |
|
37 - 60 months |
|
5.25 |
|
61 - 72 months (Min. $20,000) |
|
5.49 |
|
73 months or greater (Min. $30,000) |
|
6.49 |
Rates effective as of: June 26, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months)
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2023) Rates
| Term | Regular APR as low as* | Promo APR as low as* |
|---|---|---|
|
Up to 36 months |
|
5.25 |
|
37 - 60 months |
|
5.49 |
|
61 - 72 months (Min. $20,000) |
|
5.99 |
|
73 months or greater (Min. $30,000) |
|
7.49 |
Rates effective as of: June 26, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2015 and older) Rates
| Term | Regular APR as low as* | Promo APR as low as* |
|---|---|---|
|
Up to |
|
10.99 |
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
Recreational Vehicles: Snowmobiles | ATVs | Campers (2016 and newer) Rates
| Term | Regular APR for UNtitled vehicles as low as* | Promo APR for titled, motorized vehicles as low as* |
|---|---|---|
|
Up to 36 months |
|
6.99 |
|
37 - 60 months |
|
7.49 |
|
61 - 72 months (Min. $20,000) |
|
8.49 |
|
73 months or greater (Min. $30,000) |
|
9.99 |
Rates effective as of: June 26, 2025
*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between:
**APR is Annual Percentage Rate. A 0.50% interest rate discount is available on both refinance and purchase loans funded after June 9, 2025. Promotional rate is offered on all titled and motorized collateral. Promotion can end at any time at the discretion of the credit union. Existing Heartland Credit Union loans are not eligible for this promotion. Certain creditworthiness criteria apply for loan approval. Current auto, boat, and recreational vehicle promotional loan rates range from 4.74% – 19.49% Annual Percentage Rate (APR) as of June 09, 2025. Your rate will be based on your credit history, term, and collateral. Rates and terms are subject to change based on market conditions and borrower eligibility. Estimated monthly payment example = $29.86 per $1,000 (Payment example is based on a 4.74% APR for 36 months).
All features
Low rates
We are proud to offer lower rates than other credit unions or banks to help you better afford your vehicle.
Payment options
You can make individual payments online or set up automatic transfers to help you find the most flexible, successful payment method for your loan.
Personal service
You can call a representative to access reliable, friendly service when you have questions about your loan.
Pre-approval option
We can help you get pre-approved for a loan through Heartland so you can more confidently negotiate your vehicle price when shopping.
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