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With competitive rates and flexible terms, our loan packages are customizable to fit your budget.

When you belong with Spectrum Credit Union, your car doesn’t have to be the only vehicle in your life. We offer financing on RVs, campers, trailers, boats, personal watercraft, ATVs, van conversions, and farm equipment.So whether you're driving across the country or sailing across the bay, we’re here to help make it happen. 

Benefits:

  • Low interest rates based on amount financed, loan term, model of the vehicle, mileage, and your credit history2
  • Financing of up to 110% Loan-to-Value Ratio (LTV)of purchase price plus tax, license, and documentation2
  • Terms of up to 180 months2
  • Rates starting at 4.74%3 APR4 with automatic payment2

More information

For any other questions, give us a call at 800-782-8782. For those outside the U.S., please call 510-251-6000.

How much will my vehicle payments be?

Monthly Payment: $0.00

Loan Amount: $0.00

  • Month
  • Monthly Payment
  • Balance
  • Principal Paid
  • Interest Paid
  • Cumulative Interest

Questions? Call us at 800-782-8782

Terms

We provide these tools and calculators as a resource to help you evaluate lending products. Results are only estimates, exclude private party transactions, family buyouts, and lease buyouts, and we don't guarantee the results or your ability to receive the loan terms. If you have questions about your specific financial situation, contact your financial advisor.

When selecting an amount, keep in mind that you may need additional funds for anything the dealer may add that isn’t included in the MSRP. Some examples: applicable sales tax, title and registration fees, dealer fees, optional product and services, and other charges.

Your credit history and related score are used by lenders to evaluate your loan and credit requests. Lenders use this information to see if you have missed payments, carry high balances, or are in other ways over-extending yourself financially. For this reason, it's a good idea to check your credit report to make sure inaccuracies aren't impacting your credit.

Annual Percentage Rates (APR) shown are determined based on your credit rating, term, and an estimated loan-to-value ratio. Your application is subject to credit approval using your application and credit information. Additional terms and conditions apply, such as vehicle age and mileage. Typically, down payment requirements are determined based on individual circumstances.

Loan payment examples:

New Vehicle Loan: $18.13 per month per $1,000 borrowed at 3.34% APR for 60 months.
New RV/Personal Watercraft: $18.40 per month per $1,000 borrowed at 3.94% APR for 60 months.
Rate includes .50% reduction with automatic payments.


Rates are subject to change.


Rates shown are "as low as." Rates are subject to change without notice.

1
To apply for a watercraft or ATV loan, please select RV on your application.
2 Depends on amount financed, age of vehicle, mileage, and member’s credit history. Payment Example: A 60-month RV/boat loan for $25,000 at 4.74% APR would have monthly payments of $468.84.
3 Rates shown are "as low as." Rates are subject to change without notice.
4 APR = Annual Percentage Rate

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.