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Recreational loans for your favorite toys
From water to trails, Dupaco makes financing boats, RVs, ATVs, jet skis and snowmobiles simple. Enjoy competitive rates, flexible terms and repayment plans that fit your lifestyle. Apply* online quickly to get closer to your next adventure.
Why You'll Love It
Simple to Start
Applying for recreational loans should be easy. That’s why our quick online application* helps you move from “just looking” to “let’s do this.”
Built for Fun
These loans are designed for the things you enjoy most. With flexible terms up to 84 months, your payment can fit your lifestyle, so fun stays fun.
Support that Sticks
You don’t have to navigate the process alone. Our team’s here to answer questions, talk through options and help you find the right plan for you.
Extra Peace of Mind
Life happens, even during your best adventures. Optional payment protection can help keep your loan on track if the unexpected comes along.
LOAN PROTECTION
A Little Backup for Your Loans
Buying your next big thing can be exciting—but life doesn’t always go to plan. Payment Protection is an optional add-on that may cancel or reduce your loan payments if something unexpected happens. Coverage is tied directly to your loan, so you only pay for protection that matches what you owe.
RATES
Boat & RV Loan Rates
Boat & RV Loans
| Loan Amount | Term | Annual Percentage Rate (As Low As) |
|---|---|---|
|
$10,000-24,999
|
36 Months
|
7.29
|
|
$10,000-24,999
|
48 Months
|
7.59
|
|
$10,000-24,999
|
60 Months
|
7.89
|
|
$25,000-39,999
|
60 Months
|
7.09
|
|
$25,000-39,999
|
72 Months
|
7.34
|
|
$25,000-39,999
|
84 Months
|
7.59
|
|
$25,000-39,999
|
96 Months
|
8.59
|
|
$25,000-39,999
|
120 Months
|
9.59
|
|
$40,000+
|
60 Months
|
7.09
|
|
$40,000+
|
72 Months
|
7.09
|
|
$40,000+
|
84 Months
|
7.34
|
|
$40,000+
|
96 Months
|
8.34
|
|
$40,000+
|
120 Months
|
9.34
|
|
$40,000+
|
180 Months
|
10.04
|
Boat & RV loan payment example for illustrative purposes only: If you borrow $50,000 at a 7.09% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $992.45. Over the life of the loan, you will pay $9546.93 in interest.
1 Boat & RV Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount.
Rates effective 01/01/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change.
RATES
ATV, Jet Ski & Snowmobile Loans
ATV, Snowmobile & Jet Ski Loans
| Loan Program | Term | Annual Percentage Rate (As Low As)1 |
|---|---|---|
|
Model Year 2026-23
|
36 Months
|
8.34% APR
|
|
Model Year 2026-23
|
48 Months
|
8.34% APR
|
|
Model Year 2026-23
|
60 Months
|
8.34% APR
|
|
Model Year 2022-21
|
36 Months
|
8.54% APR
|
|
Model Year 2022-21
|
48 Months
|
8.54% APR
|
|
Model Year 2022-21
|
60 Months
|
8.54% APR
|
|
Model Year 2020-19
|
36 Months
|
8.89% APR
|
|
Model Year 2020-19
|
48 Months
|
8.89% APR
|
|
Model Year 2020-19
|
60 Months
|
8.94% APR
|
ATV Loan payment example for illustrative purposes only:If you borrow $7,500 at 8.34% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $153.32. Over the life of the loan, you will pay $1,698.58 in interest.
1 ATV, Snowmobile, & Jet Ski Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. All loans are subject to approval.
Rates effective 02/01/2026. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Loan Protection
A Little Backup for Your Loans
Buying your next big thing can be exciting—but life doesn’t always go to plan. Payment Protection is an optional add-on that may cancel or reduce your loan payments if something unexpected happens. Coverage is tied directly to your loan, so you only pay for protection that matches what you owe.
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Disclosures
*Approval subject to credit qualification. Response times may vary. In some instances, members may be asked to contact the credit union before a decision is made on their application.