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Recreational vehicle loans

Snowmobile Loans as Low as 4.99% APR*

Fast Approvals, Local Wisconsin Credit Union, Better than Dealer Financing. Get out on the trails faster this winter.

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Discover why partnering with Heartland makes a difference.

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Lower Rates than Dealer Financing

Experience more savings with Heartland loans compared to traditional dealer financing options.

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Fast, Simple Approvals

Get behind the wheel quicker than ever with our streamlined application and approval process.

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Flexible Terms for Recreational Vehicles

Tailored loan plans to suit your dreams, whether you need lower monthly payments or a shorter term.

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Local Support from a Wisconsin Credit Union

Trusted by the community, we understand your needs and provide personalized local service.

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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.

— Richard R., Oregon, members since 2001

How it works

You could be adventuring with a new boat, UTV, camper-van, or motorcycle sooner than you think with our fast loan application and approval process.

  • 1

    Complete an application

    Apply online or in-person at any branch location for the loan amount you want for your vehicle purchase.

  • 2

    Get approved

    We will review your application and quickly inform you of your approval status.

  • 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.

Fast

Approval Process

Easy

Application

Secure

Financing

Ready to get started?

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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You may also be interested in

Guaranteed Asset Protection (GAP)

You can add extra coverage to protect you financially in the instance of a vehicle theft or major accident, often at a lower cost than what is offered elsewhere.

Learn more
Mechanical Repair Coverage (MRC)

You can add affordable coverage to help off-set the costs of mechanical breakdown repairs. You'll likely pay less than what other places charge for the same protection.

Learn more
Loan Protection

Choose Loan Protection so your loan and debt payments will continue in the event of a major illness, injury, or job loss.

Learn more

Rates

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New Car, Trucks, Motorcycles, Boats, and Motor Homes (2025 and newer) Rates

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2025 and newer), % – % (2024 – 2017), % – % (2016 - 2011), % – % (2010 and older), and % – % (other recreation vehicles 2017 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 = (2025 and newer), (2024 – 2017), (2016 – 2011), (2010 and older), (other recreation vehicles 2017 and newer), per $1,000 for 36 months.

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 to 2017) Rates

Rates effective as of: February 10, 2026

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2025 and newer), % – % (2024 – 2017), % – % (2016 - 2011), % – % (2010 and older), and % – % (other recreation vehicles 2017 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 = (2025 and newer), (2024 – 2017), (2016 – 2011), (2010 and older), (other recreation vehicles 2017 and newer), per $1,000 for 36 months.

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011) Rates

Older Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2016 to 2011) Rates

Rates effective as of: February 10, 2026

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2025 and newer), % – % (2024 – 2017), % – % (2016 - 2011), % – % (2010 and older), and % – % (other recreation vehicles 2017 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 = (2025 and newer), (2024 – 2017), (2016 – 2011), (2010 and older), (other recreation vehicles 2017 and newer), per $1,000 for 36 months.

Used Car, Trucks, Motorcycles, Boats, and Motor Homes (2010 and older) Rates

Rates effective as of: February 10, 2026

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2025 and newer), % – % (2024 – 2017), % – % (2016 - 2011), % – % (2010 and older), and % – % (other recreation vehicles 2017 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 = (2025 and newer), (2024 – 2017), (2016 – 2011), (2010 and older), (other recreation vehicles 2017 and newer), per $1,000 for 36 months.

Recreational Vehicles: Snowmobiles | ATVs | Campers (2017 and newer) Rates

Rates effective as of: February 10, 2026

*APR is the Annual Percentage Rate. Car, Truck, Motorcycle, Boat, and Motor Home rates range between: % – % (2025 and newer), % – % (2024 – 2017), % – % (2016 - 2011), % – % (2010 and older), and % – % (other recreation vehicles 2017 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 = (2025 and newer), (2024 – 2017), (2016 – 2011), (2010 and older), (other recreation vehicles 2017 and newer), per $1,000 for 36 months.

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Low rates

We are proud to offer lower rates than other credit unions or banks to help you better afford your vehicle.

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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.

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Personal service

You can call a representative to access reliable, friendly service when you have questions about your loan.

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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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Virtual Appointment:

Digital Branch

In-Branch Appointment:

DeForest Branch
Dodgeville Branch
East Washington Ave Branch
High Crossing Branch
Lancaster Branch

Oregon Branch
Platteville Branch
Rimrock Road Branch
Struck Street Branch
Williamson Street Branch
Verona Branch

File a Loan Protection Claim

Protection when it matters. We are here to help!

In your time of need, our claims process is quick and easy. If you elected payment protection on your loan, you can use this convenient claims process to quickly and easily file your claim for any of the following Payment Protection Products:

  • Life
  • Terminal Illness
  • Accidental Dismemberment
  • Hospitalization
  • Family Medical Leave
  • Loss of life of a Dependent
  • Disability
  • Involuntary Unemployment

To begin, please fill out a claim form HERE!

If you prefer, call 1.800.621.6323 to begin the process and a TruStage Claims Specialist will guide you through the process.

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