RV & Large Boat Loans

Ready for your next adventure? Explore the open road in a comfy RV or navigate the waterways in a large, stylish boat. We’ll provide the financing—you just provide the fun!
Apply Now!

RV Loans

Rates as low as

4.25% APR*

Large Boat Loans

Rates as low as

4.25% APR*

Benefits of Financing Through Bowater Credit Union

Imagine cruising the Hiwassee River in style or hitting the highway in a brand-new motorhome. Our attractive loans and competitive rates make getting into the Captain’s chair easy! Enjoy the following benefits when you finance through Bowater Credit Union:

No Application Fees

Insurance Discounts

Easy to Apply

Personalized Service

Flexible Terms

Competitive Rates

Bowater Credit Union has a VISA credit card to suit your lifestyle, whether you want to take advantage of amazing rewards options or you want a straightforward card with a convenient fixed rate. Whatever your preference, we offer all our members great rates and superior local service. To us, you’re more than just a number. We’re invested in our community, and that means we’re invested in you. We’re here to offer you the right credit card to achieve your financial goals.
A motorhome purchased with an RV loan travels down a twisty, scenic mountain road in Tennessee.

RV Loans Details

Finance the purchase of a new or used recreational vehicle up to 100% of the price plus taxes and fees. Our no-down payment RV loans offer flexible terms ranging from 60 to 180 months.

A beautiful houseboat financed through a large boat loan pulls away from the Chickamauga Lake dock.

Large Boat Loans

Finance up to the total purchase price of a new or used large boat, plus applicable taxes and fees. Enjoy no down payment and repayment terms between 5 and 15 years.

Apply for an RV or Large Boat Loan in Three Easy Steps!

Apply Online Quickly apply online for your RV or boat loan. You can also visit a branch to complete an application.
Review and Sign Review the loan terms, amount, and rate. Then sign to finalize.
Get Your Check After you’re approved, we’ll issue a check so you can shop for your new RV or boat!


“I had a great experience opening accounts here. Quick, polite, friendly, and informative service. It will be nice to have a local bank that’s easy to access.”

– Scott B., Calhoun, TN

RV and Large Boat Loan FAQs

What types of recreational vehicles can I finance with a credit union RV loan?
Our RV loans can finance many types of recreational vehicles, including motorhomes, camper vans, towable campers, 5th wheels, and more. We provide financing options to help you get the RV that fits your travel style.
What interest rates does Bowater Credit Union offer on cabin cruiser or houseboat loans?

Interest rates for our boat loans vary depending on your credit score, income, and loan amount. Houseboat and cabin cruiser loans will likely have higher interest rates than smaller boats due to their higher costs. Contact us to learn more about rates and terms for financing a boat.

How long are the repayment terms on RV and boat loans?

We specialize in offering loans with flexible terms between 1-5 years for boats and 12-84 months for motorhomes. The term that lenders require depends on factors like the loan amount and your financial situation. We work to provide both the terms and type of loan that best fit your budget.

How is the loan amount for an RV or boat determined?

We base the maximum loan amount on the sales price (including taxes and fees) of the RV or boat you wish to purchase. We offer boat loans that finance up to 100% of the total cost. Contact us to discuss amounts and loan options for your specific recreational vehicle or boat purchase.

What documents do I need to provide when applying for a loan?

You must provide your driver’s license, proof of income (e.g., pay stubs), your Social Security number, and any existing assets or loans documentation. These documents will help us process your loan application quickly and efficiently.

Do I need to be a member of Bowater Credit Union to apply for a motorhome or large boat loan?

Yes, you must be a member to apply for our attractive big boat and recreational vehicle loans. Check out our eligibility requirements page to see if you qualify to become a member.

*APR = Annual Percentage Rate.

*Annual Percentage Rate. Terms and conditions apply.

The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score.