Notice: All 3Rivers branches will be closed on Monday, May 28, in observance of Memorial Day. We will reopen on Tuesday, May 29. ATMs and online/mobile access are available 24/7/365. Click Here to Learn More

Motorcycle, Boat, & Camper Loans

The dream is within reach! You’re thinking about buying that new motorcycle, boat, or camper, and you can practically see yourself cruising around on the open road or riding the waves. You've worked hard to make this happen!  Let us take the stress out of paying for your dream. 

Want to compare 3Rivers with your current loans? We just may be able to save you a lot of money each month! And right now, you can get 1% cash back up to $500*.

Don’t forget to protect your dream. You try to protect your new toy from dirt and damage, right? Make sure you also protect yourself with life and disability products that can provide your family with peace of mind knowing it is covered if something happens to you.

*Offer valid on consumer-purpose new money vehicle loans including auto, truck, RV/camper, boat, motorcycle, ATV, personal watercraft, and/or snowmobile or refinances of same from another financial institution. If refinancing an existing 3Rivers loan, a minimum of $5,000 new money is required to get the cash back. Only new money is valid for the 1% cash back. Rebate will be credited to member within 30 days of loan disbursement. Loan must remain at 3Rivers for a minimum of 180 days or rebate amount will be added to the loan upon payoff. No other offers/discounts apply, including rate discounts. Minimum loan amount of $5,000. Maximum cash back of $500 per financed loan. 3Rivers reserves the right to amend, suspend, or discontinue offer at any time.
APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount.

Rates & Terms

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  • Boat
  • 5-01-2018

Model Year

Term

Minimum Loan Amount

Rate

APR1

2016 & Newer*

12 - 72 months

$5,000

as low as 4.99%

5.26%

2016 & Newer*

73 - 96 months

$10,000

as low as 5.49%

5.59%

2016 & Newer*

97 - 144 months

$15,000

as low as 5.99%%

6.04%

2016 & Newer*

145 - 180 months

$25,000

as low as 6.49%

6.51%

1APR=Annual Percentage Rate.

* For Boat loans where model year is from 2013 to 2015 add 1% to the listed rates. For Boat loans where model year is 2012 or older add 2% to the listed rates.

Payment Example(s):

  • Boat – 60 months @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed
  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

APR Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term.

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  • Motorcycle, ATV, Personal Watercraft, Snowmobile
  • 5-01-2018

Model Year

Term

Minimum Loan Amount

Rate

APR1

2016 & Newer

12 - 36 months

$5,000

as low as 3.19%

3.70%

2016 & Newer

37 - 60 months

$5,000

as low as 3.49%

3.81%

2016 & Newer

61 - 72 months

$10,000

as low as 3.99%

4.12%

2012-2015

12 - 36 months

$5,000

as low as 3.69%

4.21%

2012-2015

37 - 60 months

$5,000

as low as 3.99%

4.31%

2008-2011

12 - 36 months

$5,000

as low as 4.69%

5.21%

2008-2011

37 - 60 months

$5,000

as low as 4.99%

5.31%

2005-2007

12 - 48 months

$5,000

as low as 6.49%

6.89%

2004 & Older

12 - 48 months

$5,000

as low as 9.99%

10.40%

Payment Example(s):

  • Motorcycle, ATV, Personal Watercraft & Snowmobiles – 60 month @ 3.49% your payment will be roughly $18.19 monthly per $1,000 borrowed
  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Annual Percentage Rate (APR) Calculations above have been based on a loan amount of $10,000 for the maximum term listed and account for a VSI Fee of $39. Your APR will vary depending on your loan amount, interest rate & loan term.

For First Time Auto Buyers & No (FICO) Score Applicants: 60m max term.

For Auto, Truck, Motorcycle, ATV, Personal Watercraft & Snowmobiles, where model year is older than 2004: Unsecured Loan Rates apply.

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  • Camper / RV
  • 5-01-2018

Model Year

Term

Minimum Loan Amount

Rate

APR1

2016 & Newer*

12 - 72 months

$5,000

as low as 4.99%

5.26%

2016 & Newer*

73 - 96 months

$10,000

as low as 5.49%

5.59%

2016 & Newer*

97 - 144 months

$15,000

as low as 5.99%

6.04%

2016 & Newer*

145 - 180 months

$25,000

as low as 6.49%

6.51%

1APR=Annual Percentage Rate.

* For Camper / RV loans where model year is from 2013 to 2015 add 1% to the listed rates. For Camper / RV loans where model year is 2012 or older add 2% to the listed rates.

Payment Examples

  • Camper/RV – 60 month @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed

  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.


Term guidelines: 61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 85-144 months minimum loan amount $20K.

Downloads

  • Watercraft Purchase Agreement