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RV and Boat Loan

High rates shouldn't dampen your leisure time. Whether you want to travel the country in your new RV or take the boat out for a little fishing, we have options to suit your needs. We offer financing and Second Chance Refinancing on a variety of recreational vehicles including motorhomes, travel trailers, pop-up campers, boats, ATVs, jet skis, and tractors.

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New Boats - 2019 and Newer Model Years

New Boats - 2019 and newer models Effective Date: 11/18/2022
Term (up to)APR as low as
1 to 36 months7.29%
37 to 48 months7.29%
49 to 60 months7.59%
61 to 72 months17.69%
73 to 84 months18.14%
85 to 120 months18.64%

1Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

2With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

Used Boats - 2015-2018 Model Years

Used Boats - 2015 to 2018 models Effective Date: 11/18/2022
Term (up to)APR as low as
1 to 36 months8.29%
37 to 48 months8.29%
49 to 60 months8.59%
61 to 72 months18.69%
73 to 84 months19.14%
85 to 120 months19.64%

1Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

2With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

New, Used or Refinanced Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor

New, Used or Refinanced Motor Home, Motorcycle, Camper, Travel Trailer, JetSki, ATV, Tractor Effective Date: 11/18/2022
Loan AmountTerm (up to)1APR as low as
Any Amount1 to 36 Months (3 yrs)6.29%
Any Amount1 to 48 Months (4 yrs)6.29%
Any Amount49 to 60 Months (5 yrs)6.59%
Any Amount61 to 72 Months (6 yrs)6.69%
over $25,00073 to 84 Months (7 yrs)7.14%
over $40,00085 to 120 Months (10 yrs)27.64%
over $65,000121 to 180 Months (15 yrs)28.64%
over $100,000181 to 240 Months (20 yrs)29.64%

1Loan amount for ATVs and Jet Skis must be $15,000.00 or greater for a 72 month term.

2Maximum term for a motorcycle is 84 months.

3With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services: Credit Life, Credit Disability, Visa (all types), IRA and Certificate of Deposit. La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

Guaranteed Asset Protection

Due to depreciation, it is possible that there will be a time when you realize that you owe more on your car than what it is worth. If you were to get in an accident when you owe more than the worth of your car, you could find yourself in a difficult situation, such as owing damages or suffering a total loss.

GAP Plus from La Cap will help cancel the difference between what you owe and the amount your insurance company pays, sometimes paying off the balance. Cost is a one-time fee of $600 for autos; $600 for ATV, jet skis and motorcycles; $600 for boats; and $600 for RVs. GAP Plus can be financed with your vehicle loan at the time of purchase or added anytime during the life of the loan. A 90-day trial is available.

GAP Plus Provides...

  • All risk protection for new and used vehicles financed through La Cap.
  • Protection for the term of your loan, up to 84 months.
  • Protection to vehicles valued up to $100,000 at time of purchase.
  • Benefits paid up to $50,000.
  • Payment of your deductible, up to $1,000.
  • $1,000 toward the purchase of a new vehicle if you finance your new vehicle purchase through La Cap within 6 months of your primary insurance paying the claim.

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER’S CHOICE Guaranteed Asset Protection (GAP). If you choose GAP, adding the product fee to your loan amount will increase the total cost of your loan.

Disclosure

Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

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