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Recreational & Boat Loans

Boat Loan with KTVAECU

Boat, Motorcycle, RV, & ATV Loans 1

We offer competitive rates AND local Member service. Whether you're headed out to the lake or hitting the trails, we make the loan process smooth from start to finish. 

Why Choose Us?

  • 100% financing available for qualifying Memebrs
  • No application fee
  • Flexible loan terms to match your goals
  • Apply for a loan and complete the paperwork at a preferred dealership (not available on farm equipment)
  • Add peace of mind with debt protection 2  and GAP 3  coverage

GET RATES  CALCULATE PAYMENTS

New Recreational Loans
(2016 AND NEWER)
Effective 06-03-25
Rates as low as…
6.49% 1 APR*
APR = Annual Percentage Rate. Up to 84 Months Fixed Rate.
Payment Example: 84 monthly payments of $148.44 per $10,000.00 borrowed.

Apply Now

Used Recreational Loans
(2015 AND OLDER)
Effective 06-03-25
Rates as low as…
8.49% 4 APR*
APR = Annual Percentage Rate. Up to 84 Months Fixed Rate.
Payment Example: 84 monthly payments of $158.31 per $10,000.00 borrowed.

Apply Now

How To Apply

Online
In-Branch
Telephone
Ask for it dealerships

Protect Your Investment

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) provides a little extra coverage beyond your auto insurance. If your vehicle is stolen or totaled,  most insurance companies only pay up to the book value of the vehicle, leaving you to pay the difference. GAP steps in to cover that difference between what the insurance company pays toward the loan, what is left of the loan balance, and up to $1,000.00 of your deductibile. GAP through the Credit Union also provides $1,000.00 toward the purchase of a replacement vehicle if financed through the Credit Union within 90 days.

Guaranteed Asset Protection can be added to any auto loan within 12 months of purchasing the vehicle. To add GAP, call us at (865) 544-5400 or visit any branch!

Payment Protection with Life Plus 2

Life is unpredictable. Debt Protection with Life Plus offers a safety net for your loans during unexpected life events such as illness, hospitalization, loss of life, and more. Debt Protection can be added at any time during the life of the loan and can offer peace of mind for yourself and your family members. For more information or to add Payment Protection, call us at (865) 544-5400.

Skip-A-Payment 6

Member accounts in good standing can apply to Skip-A-Payment for a $35.00 fee after making at least three payments on their loan. Skip-A-Payment can be used two times per 12-month period.

LEARN MORE

Disclosures

1 *APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new recreational vehicles with terms 85 to 96 months of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.

2 Payment Protection is available through third-party partner TruStage™. Must be age 18 or older to apply. These products are optional. Insurance products are not a deposit or obligation of or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply. TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Payment protection products include debt protection products available through the credit union and MEMBER'S CHOICE credit life and credit disability insurance underwritten by CMFG Life Insurance Company.

3 Service available through third-party partner SWBC Financial Institution Group. Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It may not protect the entire deficiency. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply.

4 APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for recreational vehicles over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.

5 CUDL AutoSMART.com information and materials on this site and all related logos, products, and services described are the property of CUDL or its licensors. “CUDL®” and its other marks are the registered trademarks of CU Direct Corporation. The names of other products and services referred to on the CUDL Dealer Interface website may be the trademarks of other owners. CUDL AutoSMART.com is a third-party partner to Knoxville TVA Employees Credit Union.

6 Skip-a-Payment Disclaimer - Skip-A-Payment is not valid on real estate loans, business loans, line-of-credit loans, or credit cards. $35.00 fee applies to each skip-a-payment. All qualifying loans must be current and in good standing. Maximum number of 2 skips are allowed per rolling 12-month period. Back-to-back skips are allowed if qualifications are met. Ineligible loans will not be deferred. Credit Union will not be responsible for any payments, deposits, or other communications of forms lost in the mail. Skip-A-Payment is subject to Credit Union approval. By utilizing Skip-A-Payment, you acknowledge that KTVAECU will be extending your loan and final payment by one month on each loan designated. Interest will continue to accrue on your loan during the month that you skip your payment. If a GAP Waiver insurance policy was purchased at the origination or during the course of the loan, doing any Skip-A-Payment may have an adverse impact as to how a GAP claim is paid by the GAP insurance carrier. The Credit Union will not be liable for any denial of GAP benefits created by Skip-A-Payment products.

7 Loan Payments sent by mail need to be received by the payment due date to avoid late fees. Postmarked dates are not considered as payment received.