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Adventure starts here.
At orsa credit union, our recreational loans offer the freedom to explore. Enjoy low rates, flexible terms, and local support every step of the way.
Recreational Loan Details
- Flexible Terms: Choose a repayment plan that fits your budget, with terms up to 180 months.
- Competitive Rates: Enjoy low Annual Percentage Rates (APRs) tailored to your credit profile and loan specifics.
- Rate Discounts: Benefit from an additional 0.25% rate discount when payments are automatically deducted from your orsa checking account.
- Pre-Approvals: Get pre-approved to shop with confidence, knowing your financing is secured.
- Local Service: Experience personalized service with local decision-making for a smoother loan process.
Recreational Loan Rates
Date Updated Aug 6, 2026
Boats & RVs (2024-2022) |
|---|
APR* as low as |
Term |
Boats & RVs (2021-2018) |
APR* as low as |
Term |
Boats & RVs (2017-2015) |
APR* as low as |
Term |
Boats & RVs (2014 & Older) |
APR* as low as |
Term |
New Power Sports (Used rates also available) |
APR* as low as |
Term |
Terms up to 180 months available. Please call us for a personalized quote.
*Consumer Loan Annual Percentage Rates (APRs) only available at orsa credit union branches, the web or Care Center; not available through dealerships. Special pricing does not apply to re-finance of existing orsa loans.* Sample rate 8.49% is based on a secured term loan of $15,000 with 20% down payment, excellent credit history, and a 48 month term. The monthly payments would be about $369.71. An additional .25% rate discount is available when payments are automatically deducted from your orsa checking account. Rates vary and are dependent on individual credit history and other factors including: model year, loan amount, and term.
Recreational Loan Online Application
Apply today
Apply today and let orsa help you finance your next RV, motorcycle, boat, or powersport vehicle.
Recreational loan resources
Tips & Guides
Learn more about loans while financing and shopping for the recreational vehicle of your dreams.
Guide
HELOC for Home Improvement: What Michigan Homeowners Need to Know
The state’s harsh winters and older-than-average housing stock mean Michigan homeowners often need to renovate more often. The good news is that a Home Equity Line of Credit (HELOC) can make those renovations far easier to finance. Using smart financing and finding the right renovation projects can translate into serious long-term benefits. Here, we explain how to make that choice based on your unique needs.
Guide
HELOC vs. Home Equity Loan for Michigan Homeowners
Even after an interest rate cut in 2025, Michiganders are still getting squeezed between high borrowing costs and rises in the cost of living. That’s made paying for things like home improvements or even retirement more difficult than ever. Fortunately, in times like this, Michigan homeowners can turn to their own home equity to finance their needs and wants more conveniently and affordably.
Guide
Benefits of a Credit Union vs. Bank
Think the differences between banks and credit unions is all technical stuff for finance geeks? Think again! Knowing the differences can have a huge impact on you and your money, from a retirement with more time at the lake to healthier Michigan communities.
Manage Your Loan
Make a payment
Make a secure online payment anytime, anywhere with orsa’s easy-to-use payment portal.
Loans From orsa
Other loan options
Looking for a different kind of loan? We offer a wide range of borrowing solutions to fit your needs, including personal loans, home equity lines of credit, and more.
Frequently Asked Questions
Recreational Vehicle Loan FAQ
Have questions about applying, payments, or qualifications? Find quick answers to our most common loan-related questions right here.
You can finance RVs, campers, boats, jet skis, motorcycles, ATVs, UTVs, side-by-sides (SxS), and other powersport vehicles.
Apply online in minutes. Once submitted, we’ll reach out with your next steps and rate options.
No. You can pay off your recreational loan early at any time without penalty.
Yes! We offer refinancing options that may reduce your rate or monthly payment. Get started!
Loan terms vary by vehicle type and credit history, but we offer flexible options to meet your budget.
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
