Recreational Vehicle Rates

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New 2025 - 2024
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2025 - 2024 up to 72 7.99% 7.49%
2025 - 2024 73-84** 8.24% 7.74%
2025 - 2024 85-96** 8.49% 7.99%
2025 - 2024 97-108*** 8.99% 8.49%
2025 - 2024 109-120*** 9.49% 8.99%
Used 2023 - 2022
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2023 - 2022 up to 72 8.74% 8.24%
2023 - 2022 73-84** 8.99% 8.49%
2023 - 2022 85-96** 9.24% 8.74%
2023 - 2022 97-108*** 9.74% 9.24%
2023 - 2022 109-120*** 10.24% 9.74%
Used 2021 - 2020
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2021 - 2020 up to 60 9.49% 8.99%
2021 - 2020 61-72 9.74% 9.24%
2021 - 2020 73-84 9.99% 9.49%
Used 2019 - 2017
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2019 - 2017 up to 60 10.24% 9.74%
2019 - 2017 61-72 10.49% 9.99%
2019 - 2017 73-84 10.74% 10.24%
Used 2016 and older
Vehicle Year Loan Term APR as low as* Loyalty APR as low as*
2016 and older up to 48 10.99% 10.49%
2016 and older 49-60 11.24% 10.74%
2016 and older 61-72 11.49% 10.99%
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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 January 6, 2025, 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.