Go to main content RATES LOCATIONS/HOURS HELP Banking Credit Cards Borrow Business Advice Why Tropical Manage My Loan FLORIDA BOAT, MOTORCYCLE AND RV LOANS We promise to guide you every step of the way to help you get the loan you need while working to save you more money. APPLY NOW FOR YOUR BOAT, MOTORCYCLE OR RV LOAN Have a question? We'll call you. Or you can call us at (888) 261-8328. DON'T LOSE MONEY AT THE DEALERSHIP Follow these four simple steps and find peace of mind when shopping for a new or used boat, motorcycle or RV. 1 COMPARE Find the best boat, motorcycle or RV loan rate for you. 2 CALCULATE Quickly run the numbers and calculate your monthly payment. 3 APPLY Save thousands of dollars and get pre-approved for your loan. 4 SHOP Shop with confidence for your new or used boat, motorcycle or RV. “The interesting thing is that I never knew that anyone could be a member of a credit union – I used to think that I had to belong to a union. Fortunately I was introduced to Tropical Financial Credit Union and found out I could belong – I was delighted! They make the loan process so easy and made me feel so special.” Shirley Member since 2009 STEP 1: COMPARE BOAT, MOTORCYCLE OR RV LOAN RATES AS LOW AS Rates effective September 27, 2021 New Boats 3.74%APR* Minimum loan amount for this rate: $50,000. Other conditions may apply. New Motorcycle 3.34%APR* Purchase transactions only. Other conditions may apply. New RV 4.24%APR* Other conditions may apply. Used Boats 3.74%APR* Minimum loan amount for this rate: $50,000. Other conditions may apply. Used Motorcycles 3.34%APR* Purchase transactions only. Other conditions may apply. Used RVs 4.24%APR* Other conditions may apply. STEP 2: CALCULATE YOUR MONTHLY PAYMENT Pick the starting rate above depending on if you are buying new or used and then calculate your monthly payment. Remember, the rate you qualify for may differ depending on a variety of factors including the term you select and your credit score. RUN THE NUMBERS STEP 3: GET PRE-APPROVED AND SAVE THOUSANDS OF DOLLARS Protect yourself from sneaky dealership financing tricks that can cost you thousands of dollars. Because when you take just ten minutes to get pre-approved, you will shop with confidence knowing you are getting the best deal for your boat, motorcycle or RV loan. APPLY NOW IN LESS THAN 10 MINUTES GET ANSWERS TO COMMON CAR, BOAT, MOTORCYCLE OR RV QUESTIONS How long does approval take on a boat, motorcycle or RV loan application? Can I apply for a boat, motorcycle, or RV loan if I haven't found the one I want yet? Do you offer Guaranteed Asset Protection (GAP)? Do you offer Mechanical Breakdown Protection? Do you offer payment protection plans for boat, motorcycle or RV loans? Have a question but don't want to wait on hold? REQUEST A CALL BACK Disclosures *APR = Annual Percentage Rate. Eligibility for the lowest advertised rate is based on creditworthiness, year of vehicle, ability to repay, credit score, down payment and terms. Other rates and terms may apply and your rate may differ based on the loan program, term of repayment and other factors. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Other eligibility requirements may apply. Other restrictions may apply. Member must reside in a state within TFCU lending area. Rates are subject to change without notice. Current TFCU accounts must be in good-standing, not have any type of restrictions, and TFCU loans paid-to-date. Loan example: $15,000 at 4.24% with 60 monthly payments of approximately $285.44. 3.34% APR for 36 months up to 100% LTV not to exceed the lesser of the invoice or the final purchase price on the new motorcycle or the NADA trade-in plus/minus options and mileage on used motorcycles. Limited time offer which applies to purchases only. Cannot be combined with any other offer or loan discount. No off-road dirt bikes and other restrictions may apply. New Boats and New RVs equals Current Year and Previous Two Years. Used Boats equals 10 years old or newer. Used RVs equals 8 years old or newer. New Motorcycle equals Current Year and Previous Year. Used Motorcycle equals 8 years old or newer. No financing for Boats and RVs classified or used as a dwelling. Other collateral restrictions may apply. How to get a Recreational Loan in Florida What does a credit union recreational loan cover? If you’re interested in a day of boating in Miami, looking to learn how to ride a Harley-Davidson or camping in Florida’s Everglades applying for a recreational loan is for you. Our recreational auto loan can be used for boats, motorcycles and RV’s all with low rates and competitive terms. How do I get a boat loan in Florida? Applying for Florida boat loans can be out of the ordinary for some people, so where do you start? We recommend comparing between our boat loan interest rates, as they vary between new and used. Along with comparing rates, also check out our online calculators to gauge what your monthly payment would be. When you’re ready to apply, either fill out an online application or call us. Buying a boat is an expensive investment, which is why it’s important to know as much information as possible before you start shopping. What should I know before I get a motorcycle loan? There’s no better place to enjoy a motorcycle ride than in sunny Florida. Before you apply for your motorcycle loan know the necessary information applying requires (credit score, down payment, etc.). Motorcycles are not cheap, which is why you want to make sure you are in the right financial position, so you can get approved. Rates that low can end up saving you thousands in the long run compared to other lenders. What is the place to get an RV loan? We get this question a lot. RV’s can be very expensive, so of course you’re going to want to get the best deal as possible. Credit unions offer more competitive RV loan rates and terms compared to our competitors. Whether you’re looking to buy new or used, you could potentially save a lot of money just by going with a credit union versus another lender. This means more camping trips! Special Licensing All recreational vehicles require a special license. It’s recommended to visit Florida’s DMV, to obtain the requirements of getting your recreational vehicle license before applying for your loan. This will allow you to purchase as soon as you’re approved and you’ll be able to enjoy your purchase sooner. THIS CREDIT UNION IS FEDERALLY-INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION. NMLS ID 407683. DISCLOSURES | SECURITY | CONSUMER FEE SCHEDULE | BUSINESS FEE SCHEDULE | ACCESSIBILITY STATEMENT | PRIVACY NOTICE | ABA ROUTING # 267077847 | P.O. BOX 829517, PEMBROKE PINES, FL 33082-9917 | 888-261-8328 THIRD PARTY LINK DISCLAIMER - LINKED WEBSITES ARE NOT UNDER THE CONTROL OF TROPICAL FINANCIAL CREDIT UNION AND WE ARE NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED WITHIN A LINKED SITE. THE PRIVACY OR SECURITY POLICIES AT A LINKED SITE MAY BE DIFFERENT FROM THOSE PRACTICED AT TROPICAL FINANCIAL CREDIT UNION AND YOU SHOULD REVIEW THE PRIVACY POLICY OF ANY LINKED SITE. COPYRIGHT 2020 TROPICAL FINANCIAL. ALL RIGHTS RESERVED.