Vehicle & Recreational Loans
We Can Help You Get Moving!
Purchase a new or used ride or refinance your current one in no time!
When shopping for a new vehicle that’s perfect for you but also affordable, it’s easy to feel overwhelmed. But don’t worry—we can take care of the financing so you can make sure you get exactly the vehicle you’re hoping to find.
With RRCU, you’ll get great loan terms on vehicles, including cars and trucks, as well as boats, jet skis, ATVs, and motorcycles. We even offer loans for repossessed vehicles, when available. RRCU loans include the following features and options:
- Competitive interest rates
- Quick approvals
- Convenient eSign*
- Multiple payment options
- Extended warranty and GAP options to save you money
*Some restrictions apply.
Want to refinance the vehicle you already have?
Refinancing your existing vehicle can be a great financial strategy for paying off your vehicle quickly or reducing your payments each month. Our vehicle loans can help with refinancing, too. Apply above to see your refinancing options.
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Auto Loan Rates
Loan Type Term* APR** As Low As NEW! 2026 up to 48 months
up to 60 months
up to 72 months ($20k+)
up to 84 months ($40k+)4.90%
5.60%
5.80%
5.95%2025 up to 48 months
up to 60 months
up to 72 months ($20k+)
up to 84 months ($40k+)4.90%
5.60%
5.80%
5.95%2024 up to 60 months
up to 72 months ($20k+)6.15%
6.45%2023 up to 60 months
up to 72 months ($20k+)6.15%
6.45%2022 up to 60 months
up to 72 months ($20k+)6.15%
6.45%2021 up to 48 months
up to 60 months ($20k+)6.80%
7.05%2020 or Older up to 36 months
up to 48 months ($20k+)7.30%
7.55%Rates Effective: 10/28/2026
*Terms may be extended on auto loans based on year model with approved credit. Purchase or refinance from other institution $20,000 minimum.
**APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.
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Repo Rate
All Year Models are 6.75% APR*
Rates Effective: 10/28/2026
*APR = Annual Percentage Rate. Rate subject to change without notice. With Approved Credit. Extended terms are available.
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Recreational Vehicles (Boat, Jet Ski, ATV, Motorcycle)
Loans under $40,000
Loan Type Term APR* As Low As New up to 60 months 5.95% Used up to 60 months 6.40% Loans $40,000 and above
Loan Type Term APR* As Low As New up to 144 months 7.90% Used up to 144 months 8.40% Rates Effective: 10/28/2026
*APR = Annual Percentage Rate. Rate and term based on credit score and year model (auto). Rate subject to change without notice. With Approved Credit.
Estimate your loan terms and payments
Get a better idea of how your loan will impact your finances. Whether you’re purchasing a new vehicle or refinancing, you can use this auto loan calculator to see your estimated loan terms now:
Apply for your vehicle loan today
Find your perfect vehicle and get great financing with an RRCU vehicle loan. Or see if you qualify for better terms on your existing vehicle loan.