Need to make your loan payment?
If you need to make your monthly payment, our online service options are available 24 hours a day, 7 days a week. You can choose between transferring funds from a TDECU account toward your loan balance or making a payment using an account from another financial institution.
Ready to get moving?
At TDECU, the fun starts here. Whether you want to get on the water, drive across the country, or zip around the neighborhood on a golf cart, we can get you there. We make it easy and affordable so you can enjoy the beautiful days ahead, in the recreational vehicle of your choice. With TDECU, you can take advantage of:
- No payments for 90 days1
- No money down option available
- No hidden fees, costs, or early-payoff penalties
Get moving and start making memories. Apply for your recreational vehicle loan today!
Payments for 90 Days2
Money down option
Shopping for a new or pre-owned vehicle?
New and Pre-Owned
Competitive financing option for new and used boats.
New and Pre-Owned
Competitive financing option for new and used motorcycles.
New and Pre-Owned
Competitive financing option for new and used RVs.
Competitive financing option for new and used leisure vehicles, such as jet skis, golf carts, ATVs and UTVs.
48 - 144 months
Looking to refinance your loan from another financial institution?
Refinance Your Boat Loan
Refinance option for boat loans.2
Refinance Your Motorcycle Loan
Refinance option for motorcycle loans.2
Refinance Your RV Loan
Refinance option for RV loans.2
You choose how to finance your vehicle
Get pre-approved for your loan
Complete your application online, in person, or over the phone to receive your pre-approval before stepping on the lot.
Finance at the dealership
TDECU financing is available through hundreds of dealerships in Texas. Once you find the vehicle you want to finance, just tell the salesperson you would like your loan through TDECU. From there, complete your paperwork right at the dealership!
Here’s the documentation you need to get started
For all vehicle loans
We will need:
- Employment, monthly income, and housing information
- Requested loan amount (should include the purchase price, taxes, title, license, and warranties, minus your down payment)
- Requested loan term
If you plan to trade in your current vehicle
We will need:
- Current loan (if applicable)
- Registration and license information
Already found your new vehicle or looking to refinance with TDECU?
We will also need:
- Vehicle Identification Number (VIN)
- Exact mileage
- Name of the dealership or seller
- Serial/hull number if purchasing a boat
How can being pre-approved help me when shopping for a recreational vehicle?
When you are pre-approved or prequalified for a recreational vehicle loan, you can focus on negotiating the best price when visiting the dealership. This allows you to shop with confidence, knowing you won't end up with high-rate financing.
Can I be approved for a recreational vehicle loan and have funds available the next day?
In many cases, you may be approved and receive your funds the same day. We understand that sometimes the buying process is an urgent matter. Our team will answer your questions and help expedite the loan application and approval process.
Can I make additional payments and pay off my recreational vehicle loan earlier than the original term?
Yes. At TDECU, there are no prepayment penalties for paying off your loan earlier than your original term. In fact, it is a great way to save on interest over the long run! Use our loan payoff calculator to see how long it will take to pay off your loan.
What financing partners does TDECU have?
TDECU financing is available through hundreds of dealerships in Texas. View our current dealership partners here.
How can I check the status of my recreational vehicle loan application?
1 Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 110% for boat and RV loans and less than 125% for motorcycle and miscellaneous secured loans; and a minimum credit score of 660 is required to qualify for the deferred payment option.
2 APR = Annual Percentage Rate. Advertised rates include a 0.25% discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account. Rate received is determined by loan term and credit score. Terms of repayment: A $30,000 loan with a 72-month term at 5.25% APR equals a $486.63 monthly payment.
3 Existing TDECU loans are ineligible for refinancing.
4 Insurance products are not deposits, not NCUA insured, and not guaranteed by TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union (TDECU).
Credit approval required. Minimum loan amount for boats, RVs, and leisure vehicles is $5,000. Collateral must be for personal use only. Other terms/conditions apply; contact TDECU for details.