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. You may receive a 1099-MISC at year-end for tax purposes.
APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications and loan amount.

Rates & Terms

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  • Motorcycle, ATV, Personal Watercraft, Snowmobile
  • 6-30-2017

Model Year

Term

Rate

APR1

2014 & Newer

12 - 36 months

as low as 3.19%

3.45%

2014 & Newer

37 - 60 months

as low as 3.49%

3.65%

2014 & Newer

61 - 72 months

as low as 3.99%

4.12%

2011-2014

12 - 36 months

as low as 3.69%

3.95%

2011-2014

37 - 60 months

as low as 3.99%

4.15%

2007-2010

12 - 36 months

as low as 4.69%

4.95%

2007-2010

37 - 60 months

as low as 4.99%

5.15%

2004-2006

12 - 48 months

as low as 6.49%

6.69%

Payment Example(s):

  • Boat – 60 mos @ 4.99% your payment will be roughly $18.87 monthly per $1,000 borrowed
  • Motorcycle – 60 mos @ 3.99% your payment will be roughly $18.41 monthly per $1,000 borrowed
  • Please use our Loan Payment Calculator for additional scenarios relevant to your unique needs.

Term guidelines for VL (Vehicle Loan) Applications:  61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K. 

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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  • Boat
  • 6-30-2017

Model Year

Term

Rate

APR1

2015 & Newer*

12 - 72 

as low as 4.99%

5.13%

2015 & Newer*

73 - 96 

as low as 5.49%

5.59%

2015 & Newer*

97 - 144 

as low as 5.99%

6.06%

1APR=Annual Percentage Rate.

* For Boat loans where model year is from 2011 to 2013 add 1% to the listed rates. For Boat loans where model year is 2010 or older add 2% to the listed rates.

Payment Example(s):

  • Boat – 60 mos @ 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 for VL (Vehicle Loan) Applications:  61-72 months minimum loan amount $10K. 73-84 months minimum loan amount $15K.  85-144 months minimum loan amount $20K.

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.

  Sign-up for Rate Alert

  • Camper / RV
  • 6-30-2017

Model Year

Term

Rate

APR1

2015 & Newer*

12 - 72 Months

as low as 4.99%

5.13%

2015 & Newer*

73-96 Months

as low as 5.49%

5.59%

2015 & Newer*

97-144 Months

as low as 5.99%

6.06%

1APR=Annual Percentage Rate.

* For Camper / RV loans where model year is from 2010 to 2012 add 1% to the listed rates. For Camper / RV loans where model year is 2009 or older add 2% to the listed rates.

Payment Examples

  • Camper – 60 mos @ 3.99% your payment will be roughly $18.41 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.