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Recreational Vehicle Loans

Pictures of an RV driving on a scenic road as well as a 4-wheeler going down a dirt path.

CapEd offers financing for new and used boats, RVs, powersport vehicles, tractors, and excavation equipment.

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Get Pre-Approved

Pre-approvals are good for 60 days and can be used for purchases at the dealership or from a private party. Apply today for the opportunity to get pre-approved for your next auto loan.

Getting pre-approved not only helps you in the shopping experience by being prepared with your budget – it also helps in negotiating the price and add-ons with the dealer.

Dealership Financing

If you're looking for dealer financing in Boise and surrounding areas in Idaho, you're in the right place. We have partnerships with most of the new and used dealerships throughout the Treasure and Magic Valleys. Just let them know you want your financing with CapEd Credit Union and then let both teams work together to save you all the hassle, time, and money.

1% Cashback Loan Refinance

Don't have your current RV or Powersport loan at CapEd? You could earn 1% cash back on the value of your loan when you're approved to refinance a loan from another financial institution with us. Call your CapEd Lending Team today at (208) 510-5275 and ask about our 1% Cashback Loan Refinance promotion.

Protect Your Vehicle

Your vehicle purchase is a big investment. Let CapEd's experienced loan officers help you put together an auto protection plan that helps protect that investment for the long term with the following services.

Guaranteed Asset Protection (GAP)

GAP coverage is an additional measure of security that reduces the financial burden that may be incurred if your recreational vehicle is stolen or totaled. GAP prevents the deficiency loan balance from being added to a new loan in the event of a total loss. GAP can be purchased at a low, one-time cost.

Powersport Mechanical Breakdown Protection

CapEd offers a low-cost protection program that protects members from expensive repairs on your powersport vehicle. You may even qualify to purchase this for powersport vehicles you already own, even if you financed it elsewhere.

Boat & RV Loans

Boat & RV rates current as of . Apply online today for your new boat or RV loan.

Boat & RV Loan Rates

CapEd Credit Union boat & RV loan rates.
Age of VehicleLoan TermAPR as low asPayment per $1,000 Borrowed
2019 - 202438 - 180 Months9.64%$13.02 (120 months)
2018 and older38 - 180 Months11.64%$14.14 (120 months)

Important Information: All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.

Boat & RV Loan Features

Term Options for boat and RV loans.
Up to 180 months

Fees for boat and RV loans.
No application fee

Powersport Loans

Powersport rates current as of . Apply online today to start your loan for your new powersport vehicle.

Powersport Loan Rates

CapEd Credit Union powersport loan rates.
Age of VehicleLoan TermAPR as low asPayment per $1,000 Borrowed
2019 - 202436 - 60 Months8.99%$16.05 (60 months)
2018 and older36 - 60 Months10.99%$17.12 (60 months)

Important Information: All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.

Powersport Loan Features

Term Options for powersport loans.
Up to 60 months

Fees for powersport loans.
No application fee

Miscellaneous Secured Loans

Tractor and excavation equipment rates current as of . Apply online today to get started today.

Tractor & Excavation Equipment Rates

CapEd Credit Union tractor & excavation equipment loan rates.
Age of VehicleLoan TermAPR as low asPayment per $1,000 Borrowed
2019 - 202436 - 60 Months8.99%$16.05 (60 months)
2018 and older36 - 60 Months10.99%$17.12 (60 months)

Important Information: All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.

Tractor & Excavation Equipment Loan Features

Term Options for Tractor and Excavation Equipment loans.
Up to 60 months

Fees for Tractor and Excavation Equipment loans.
No application fee

Apply Online

Easily apply online for a recreational vehicle loan or find a CapEd location to apply in person.

Click here to check the status of an application


Questions?

Disclosures

All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.

1% Cash Back available on Auto, RV, and Powersport refinancing. 1% rebate must be requested prior to loan closing. The 1% cash back will be forfeited and added to loan balance if loan is paid off within 12 months of opening. All loans subject to credit approval. 1% cash back does not apply to refinance of CapEd loans. Additional conditions apply. See Credit Union for details.