Boat & Recreational Loans
Financing for your next adventure.
Make more room for fun
Whether you are heading to the lake, hitting the open road, or upgrading the equipment you use outdoors, Heritage South can help finance your next recreational purchase.
Financing is available for eligible new and used boats, motorcycles, watercraft, recreational vehicles, and more.
New and used options
Find financing for eligible new or pre-owned recreational vehicles and equipment.
Flexible loan terms
Available terms currently range from 24 to 96 months, depending on the purchase and your qualifications.
Finance more of your purchase
Qualified borrowers may finance up to 100% of the sticker price or NADA retail value, plus applicable taxes and tags.
Local lending support
We help when others won’t! We can help you understand your options and start an application.
Recreational loan details at a glance
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Term |
Annual Percentage Rate (APR) as low as* |
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* Annual Percentage Rate of these secured Auto Loans depends on the borrower’s credit score, loan term, and age of the vehicle being used as collateral. All loans are subject to credit approval. Maximum financing up to 100% of sticker price or NADA retail value, plus taxes and tags. Application Fee: $50.00 Filing Fees: You will be charged a lien filing fee at the time of an advance if the credit union takes a security interest in your collateral. The amount will be based upon the amount of fee required by state law or for the credit union to secure a lien on your property. Late Payment Fee: A late charge of 5% of your scheduled payment with a minimum of $5.00 will be collected if your payment is received 20 or more days past the due date. |
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Term 24 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 6.85% |
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Term 36 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 7.1% |
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Term 48 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 7.35% |
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Term 60 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 7.6% |
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Term 72 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 7.85% |
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Term 84 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 8.1% |
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Term 96 Month New and Used Auto Loans |
Annual Percentage Rate (APR) as low as* 9.65% |
Frequently Asked Questions
Heritage South may provide secured financing for eligible purchases including boats, motorcycles, watercraft, recreational vehicles, and other recreational equipment. Contact a lender to confirm whether a specific purchase qualifies.
Yes. Financing may be available for eligible new and used purchases. The approved amount and terms will depend on the value and age of the collateral and your credit qualifications.
Your rate is based on your credit score, loan term, and the age of the item being financed. We will tell you the rate you qualify for before closing.
Pre-approval may be available. Contact us to discuss your purchase and financing options before you begin shopping.
Call us at 931-680-1400 or visit a local branch to apply for a boat or recreational loan.
Not finding what you’re looking for? See all FAQs
Ready to start planning your next adventure?
Talk with a Heritage South lender about financing your boat, recreational vehicle, or other eligible purchase.
