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Motorcycle Loans

We want our members to chase sunsets, not financing. That's why we offer same-day decisions on motorcycle loans.

Features
  • Dealer or private party sales
  • New or used
  • Same-day decisions
  • Weekly or bi-weekly payments available
  • Loan will be held and serviced right here at HRCU
  • Extended warranties and GAP policies available for both new and used bikes
  • Life/Disability payment insurance available to eligible borrowers
Rates

Motorcycle Loan Rates

Effective Date: Thursday, June 20, 2024

Motorcycle Loan Rates

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 - 202424 - 36 Months7.99%100% LTV$5,000$31.33Apply Now
37 - 48 Months7.99%100% LTV$15,000$24.41Apply Now
49 - 60 Months8.24%100% LTV$20,000$20.39Apply Now
61 - 72 Months8.99%100% LTV$20,000$18.02Apply Now
2013 - 201924 - 36 Months8.49%100% LTV$5,000$31.56Apply Now
37 - 48 Months8.74%100% LTV$15,000$24.76Apply Now
49 - 60 Months8.99%100% LTV$20,000$20.75Apply Now
61 - 72 Months9.99%100% LTV$20,000$18.52Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.

Apply NowLoan Payment CalculatorLoan Payment Calculator

Classic Car Loans

Nostalgia has a huge influence on our purchasing decisions. Luckily, we have you covered when you decide to purchase that eye-catching classic! As long as the car is over 15 years old and can be found in the NADA Classic, Collectible, Exotic and Muscle Car Appraisal Guide & Directory , you can get the green light to travel back in time.

Features
  • Dealer or private party sales
  • Weekly or bi-weekly payments available
  • Loan will be held and serviced right here at HRCU
  • Life/Disability payment insurance available for eligible borrowers
Rates

Classic Car

Effective Date: Thursday, June 20, 2024

Classic Car

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
Classic Car24 Months8.99%80% LTV$5,000$45.68Apply Now
36 Months9.24%80% LTV$5,000$31.91Apply Now
48 Months9.49%80% LTV$5,000$25.12Apply Now
60 Months9.74%80% LTV$10,000$21.12Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

• Must be at least 15 yrs. old, Max LTV = 80%. Will not finance “part cars.” Payment Example: A $10,000 classic car loan with a rate of 9.24% for 48 months, monthly payment is approximately $249.99. Total finance charge is approximately $1,999.60.

Apply NowLoan Payment CalculatorLoan Payment Calculator

Boat Loans

Those summer nights would be better spent offshore! Our members can find financing for nearly every type of watercraft available.

Rates

Boats

Effective Date: Thursday, June 20, 2024

Boats

TypeTermAPR*Finance Up ToMinimum Finance AmountMonthly Payment/$1,000
2020 or Newer Models36-59 Months7.74%100% LTV$5,000$20.43Apply Now
60-71 Months8.49%100% LTV$10,000$19.97Apply Now
72-84 Months8.74%100% LTV$25,000$14.52Apply Now
85-120 Months8.99%100% LTV$30,000$12.66Apply Now
144-180 Months9.24%100% LTV$30,000$10.29Apply Now
2013 to 2019 Models36-59 Months8.74%100% LTV$5,000$20.91Apply Now
60-71 Months9.49%100% LTV$10,000$18.46Apply Now
72-84 Months9.74%100% LTV$25,000$16.47Apply Now
85-120 Months9.99%100% LTV$30,000$13.21Apply Now
144-180 Months10.24%100% LTV$30,000$10.89Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

Boats over 10 years old will be reviewed on a case-by-case basis, and may be subject to an additional .50% rate increase.

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications received starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.

Apply NowLoan Payment CalculatorLoan Payment Calculator

Snowmobile, Jetski, ATV and Scooter Loans

No matter the season, we have the loans members need to keep their adrenaline flowing.

Maybe you prefer a brisk wind as you chase sunsets. We offer same-day decisions on scooter loans too!

 
Rates

TOYS: Snowmobiles, Jetskis, ATVs and Scooters

Effective Date: Thursday, June 20, 2024

TOYS: Snowmobiles, Jetskis, ATVs and Scooters

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 and Newer24 months7.74%100% LTV$5,000$45.11Apply Now
36 Months7.74%100% LTV$5,000$31.22Apply Now
48 Months7.99%100% LTV$5,000$24.41Apply Now
60 Months7.99%100% LTV$10,000$20.27Apply Now
72 Months8.74%100% LTV$15,000$17.90Apply Now
2013 - 201924 Months8.49%100% LTV$15,000$45.45Apply Now
36 Months8.74%100% LTV$15,000$31.68Apply Now
48 Months8.74%100% LTV$5,000$24.76Apply Now
60 Months8.99%100% LTV$15,000$20.75Apply Now
72 Months9.99%100% LTV$15,000$18.52Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

HRCU does not finance model years older than 2013.

Apply NowLoan Payment CalculatorLoan Payment Calculator

RVs- Motor Homes, Travel Trailers & 5th Wheels

For those that have graduated from tents, we have the financing you need to travel and camp in style! Loans are available for Motor Homes, Travel Trailers and 5th Wheels.

Rates

RVs: Motor Homes, Travel Trailers & 5th Wheels

Effective Date: Thursday, June 20, 2024

RVs: Motor Homes, Travel Trailers & 5th Wheels

TypeTermAPR*Finance up toMin. Finance AmountMonthly Payment/$1,000
2020 or Newer36 Months7.49%100% LTV$15,000$31.10Apply Now
48 Months7.49%100% LTV$15,000$24.17Apply Now
60 Months7.99%100% LTV$15,000$20.27Apply Now
72 Months7.99%100% LTV$15,000$17.53Apply Now
84 Months8.24%100% LTV$20,000$15.71Apply Now
120 Months8.49%100% LTV$25,000$12.39Apply Now
144 Months8.99%100% LTV$30,000$11.37Apply Now
180 Months8.99%100% LTV$30,000$10.14Apply Now
2013 - 201936 Months8.74%100% LTV$15,000$31.68Apply Now
48 Months8.74%100% LTV$15,000$24.76Apply Now
60 Months8.99%100% LTV$15,000$20.75Apply Now
72 Months9.24%100% LTV$15,000$18.14Apply Now
84 Months9.49%100% LTV$20,000$16.34Apply Now
120 Months9.49%100% LTV$25,000$12.93Apply Now
144 Months9.99%100% LTV$30,000$11.95Apply Now
180 Months9.99%100% LTV$30,000$10.74Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

HRCU does not finance model years older than 2013.

**APR = Annual Percentage Rate. Rate displayed is the ‘as low as’ rate. Final approved APR is based on evaluation of credit worthiness, ability to repay and membership qualifications. Existing loan rate discounts are not eligible for promo rate. Promotional rate is valid for any RV, Motorcycle and Boat, model years 2013 or newer, with a maximum Loan-to-Value (LTV) of 70%, and a maximum term of 63 months. Promotional terms offered on qualifying loan applications received starting June 15, 2023.  Must meet all promotional requirements to be eligible for rate as low as 5.99%. HRCU reserves the right to adjust the promotional rate and terms, and/or to shut down the promotion at any time.

Apply NowLoan Payment CalculatorLoan Payment Calculator

Pop-up Campers & Truck Campers

Pack up your vehicle, hook up your camper and set off on an adventure to your destination of choice with the help of your friends at HRCU.

Rates

Truck Campers, Pop Ups, Non-Commercial Tractors/Mowers for Personal Use

Effective Date: Thursday, June 20, 2024

Truck Campers, Pop Ups, Non-Commercial Tractors/Mowers for Personal Use

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 or Newer24 Months7.74%100% LTV$5,000$45.11Apply Now
36 Months7.74%100% LTV$5,000$31.22Apply Now
48 Months7.99%100% LTV$5,000$24.41Apply Now
60 Months7.99%100% LTV$10,000$20.27Apply Now
72 Months8.74%100% LTV$15,000$17.90Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

HRCU does not finance model years older than 2013.

Apply NowLoan Payment CalculatorLoan Payment Calculator

Non-Commercial Tractors/Mowers

Let our financing options help you take care of all your personal home landscaping needs.

Rates

Truck Campers, Pop Ups, Non-Commercial Tractors/Mowers for Personal Use

Effective Date: Thursday, June 20, 2024

Truck Campers, Pop Ups, Non-Commercial Tractors/Mowers for Personal Use

TypeTermAPR*Finance
Up To
Min. Finance AmountMonthly Payment/$1,000
2020 or Newer24 Months7.74%100% LTV$5,000$45.11Apply Now
36 Months7.74%100% LTV$5,000$31.22Apply Now
48 Months7.99%100% LTV$5,000$24.41Apply Now
60 Months7.99%100% LTV$10,000$20.27Apply Now
72 Months8.74%100% LTV$15,000$17.90Apply Now

*Rate shown is annual percentage rate (APR) and subject to change without notice. Loan APR based on evaluation of credit worthiness and ability to repay. Rates listed are with .25% discount for existing/refinanced loan, active VISA, or mortgage/home equity product (with past 12 months).

HRCU does not finance model years older than 2013.

Apply NowLoan Payment CalculatorLoan Payment Calculator

Skip A Payment

Give your wallet a break and skip your next HRCU loan payment! Your loan could be eligible, ask how today!