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Home > Personal > Loan Center > Boat/Motorcycle/RV Loans

Boat/Motorcycle/RV Loans


Members First Credit Union of Florida is ready to put you on the path toward your next adventure, whether you plan on getting there by land or by sea. We offer finance or refinance loan options for:


Boats & Other Watercraft

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View Rates

Motorcycles & Mopeds

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RVs & Travel Trailers

Apply for a Loan

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Contact Us

We're here to lend a helping hand. For questions or to apply, please give us a call at (850) 434-2211 or toll-free at (877) 434-6328. Our Call Center hours are Monday - Friday from 8:30 a.m. - 4:30 p.m. You can also stop by one of our branch locations during normal business hours to see the great terms and rates we offer on loans for your new or used boat, motorcycle, or RV.



Depending on the type of vehicle you are financing, you may be eligible to purchase Guaranteed Asset Protection (GAP) to protect your loan.

In most circumstances, your vehicle is worth a lot less the second you drive off the lot. Protect the investment made in your vehicle with GAP.

What is GAP?

Guaranteed Asset Protection, or GAP, is a voluntary, non-insurance program offered as protection on a new or used vehicle that is financed or leased. It is a supplemental benefit that enhances, rather than replaces, your standard comprehensive, collision, or liability coverage. GAP waives the difference between your primary insurance carrier's settlement and the payoff of your loan.1 In other words, it protects the "gap" between your vehicle's value and the amount you still owe in the case it is damaged beyond repair or stolen and never recovered.

How does GAP Work?

Depending on where you live, the established market value of your vehicle could be less than the actual balance you owe. In the event of a total loss or theft, GAP waives the difference between your primary insurance carrier insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges.2 Included in the deficiency balance is the deductible up to $1,000.

GAP Protection Benefits:

  • Protection for the term of your loan up to 84 months
  • Coverage for vehicles valued up to $100,000 at time of purchase
  • Payment of benefits up to $50,000
  • Coverage for auto insurance deductibles up to $1,000.00
  • Benefits for new or used vehicles, including cars, light trucks, motorcycles, boats, RVs, and some other motorized vehicles
  • Bonus: Free Auto Deductible (ADR)

ADR Protection Benefits (Included with our GAP Protection):

  • Pays/Reimburses up to $500/per loss (unlimited losses per year) when a loss is filed and paid by the Auto Insurance Company for the Covered Auto.

Need More Details?

For more details or to add this important protection product to your loan, call us at (850) 434-2211 or email us.

1 Less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges. 2 Subject to other applicable exclusions and limitations.




Refinance Your Boat/Motorcylce/RV Loan

Lower Your Interest or Adjust Your Current Boat/Motorcycle/RV Loan Terms

couple by RV

Take a step towards better when you refinance your boat, motorcycle, or RV loan. Members First Credit Union of Florida can help you get a lower interest rate and term adjustment on your vehicle or vessel, so you can spend less time worrying about your loan and more time sailing, zipping, and exploring. 

Apply For A Loan View Rates




We've got the tools you need to help you make the best decision for you.




The annual percentage rate (APR) you pay will be based on the number of months your loan is financed, the loan type, and your credit history. The APR will be disclosed prior to an advance being made on a loan. Rates are subject to change. Loan terms may vary based on value and type of collateral.

*APR = Annual Percentage Rate. All rates are subject to change.  Rates and terms are based on individual credit worthiness.  Contact a Call Center Representative at (877) 434-6328 or locally at (850) 434-2211 for complete loan terms.


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Members First CU of Florida
NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.


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