Explore the Great Outdoors
Whether your next adventure is on the water or the open road, we can help you enjoy the great outdoors with our competitive loan rates. We provide a variety of financing options to help keep you within budget and get you in the boat or RV of your dreams. We also offer easy online pre-approvals to help you save time at the dealership and get you out on the open water or the open road even faster.
Begin your next adventure by getting pre-qualified for your boat or RV purchase by applying online, stopping into your local OHecu branch, or by contacting the Member Service Center at 800-552-6328.
Boat Loans
If purchasing a boat is the fulfillment of a lifelong dream, we're here with a loan for your new or used boat purchase. Check out our competitive rates and prepare to cruise the water in style!
- No down payment options available
- Competitive interest rates and flexible payment terms
- Financing up to $100,000
- Easy and worry-free repayment options
- Affordable GAP Coverage and Credit Life and Credit Disability Insurance
RV Loans
If an outdoor adventure or roadtrip is in your future, come see us for financing the purchase of a new or used RV. Find the RV that fits your lifestyle and your budget with our competitive rates and terms.
- No down payment options available
- Competitive rates and flexible payment terms
- Financing up to $150,000
- Easy and worry-free repayment options
- Affordable GAP Coverage and Credit Life and Credit Disability Insurance
Boat or RV Loan Refinancing
Make waves with your savings! Refinance your current boat or RV loan with us for an opportunity to lower your monthly payments. Spend less time worrying and more time enjoying mother nature and the path less traveled. We offer great rates and flexible terms to fit your budget. Check out our .
What types of boats and RVs can I finance with OHecu?
OHecu offers financing for new and used boats and recreational vehicles. Eligible borrowers can choose from flexible loan terms and may qualify for no-down-payment financing.
Can I finance a used boat or RV with OHecu?
Yes. OHecu offers loans for qualifying used boats and RVs. Available rates and terms can vary based on factors such as the vehicle, loan amount, model year, credit history and other lending criteria.
Does OHecu require a down payment for a boat or RV loan?
No. OHecu offers no-down-payment options for qualifying boat and RV loans. Your eligibility, interest rate and loan terms will depend on your individual financial circumstances and approved credit.
How much can I borrow for a boat or RV?
OHecu offers boat financing of up to $100,000 and RV financing of up to $150,000. The amount you qualify for depends on factors such as the purchase price, your credit history, income and other loan requirements.
Can I refinance my existing boat or RV loan with OHecu?
Yes. Eligible borrowers can refinance a boat or RV loan currently held with another financial institution. Refinancing may provide an opportunity to lower your monthly payment or obtain different loan terms. Existing OHecu boat and RV loans cannot be refinanced through this program.
Can I get pre-approved for an OHecu boat or RV loan?
Yes. OHecu offers online pre-approvals to help you understand your financing options before purchasing a boat or RV. You can apply online, visit an OHecu branch or contact the Member Service Center to get started.
Does OHecu offer GAP coverage for boat and RV loans?
Yes. Affordable Guaranteed Asset Protection (GAP) coverage is available with qualifying OHecu boat and RV loans. GAP coverage can help protect you from owing more on a covered loan than your insurance settlement provides if the financed vehicle is totaled or stolen.
Do I have to be an OHecu member to apply for a boat or RV loan?
No. You do not have to be an OHecu member to apply for a loan. However, you must meet OHecu's membership eligibility requirements before signing loan documents.
* Payment of $634.79 on a $75,000 loan amount for a 180-month term with an interest rate of 6.00% (Annual Percentage Rate 6.05%). The rate of 6.00% (Annual Percentage Rate 6.05%) is the best rate available only to OHecu members with Tier A+ credit, on a 2025 and newer model, no down payment on the purchase, with automated payment from an OHecu account and first payment due in 30 days. If for any reason the automated payment from an OHecu account is terminated either voluntarily or by OHecu due to any account abuse, the interest rate on the loan will increase by 0.25% for the remainder of the loan, the monthly payment will remain the same and the term of the loan will automatically extend. Rates subject to change without notice. All loans subject to approved credit. Other competitive rates and terms available.
