Recreational Vehicle Rates

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New 2024 - 2023
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2024 - 2023 up to 72 7.99% 7.74%
2024 - 2023 73-84** 8.24% 7.99%
2024 - 2023 85-96** 8.49% 8.24%
2024 - 2023 97-108*** 8.99% 8.74%
2024 - 2023 109-120*** 9.49% 9.24%
Used 2022 - 2021
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2022 - 2021 up to 72 8.74% 8.49%
2022 - 2021 73-84** 8.99% 8.74%
2020 - 2021 85-96** 9.24% 8.99%
2020 - 2021 97-108*** 9.74% 9.49%
2020 - 2021 109-120*** 10.24% 9.99%
Used 2020 - 2019
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2020 - 2019 up to 60 9.49% 9.24%
2020 - 2019 61-72 9.74% 9.49%
2020 - 2019 73-84 9.99% 9.74%
Used 2018 - 2016
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2018 - 2016 up to 60 10.24% 9.99%
2018 - 2016 61-72 10.49% 10.24%
2018 - 2016 73-84 10.74% 10.49%
Used 2015 and older
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2015 and older up to 48 10.99% 10.74%
2015 and older 49-60 11.24% 10.99%
2015 and older 61-72 11.49% 11.24%
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**Minimum Loan Amount for Term
73 - 84: $20,000
84 - 96: $30,000

***A Tiers Only 2021 - 2024 Models Only
97 - 108: $50,000
109 - 120: $75,000

*Annual Percentage Rate. Rates effective as of October 2, 2024 and subject to change without notice. Final rate determined by credit score, vehicle age and loan term. Other terms and conditions may apply. Financing on 79-96 month terms available on loans exceeding $30,000 only. Loan example: $30,000 loan with 48-month term and 11.39% APR is $846.50, excluding the $40 loan processing fee or any additional loan vehicle coverage options. Loyalty discount is only available on new money new loans. Cobalt Credit Union refinances do not qualify for the loyalty discount. Indirect loans are not eligible for the loyalty discount.