Hit the waves, trails or road
At Heartland we offer financing for titled toys such as motorcycles and boats, as well as untitled toys like four-wheelers, snowmobiles and personal watercraft. You’re never too old to have fun, and we’re here to help finance those well-deserved adventures with our toy loans. Plus, you’ll receive a 0.50% loan rate discount when you make your payment automatically from your Heartland Checking.
Low competitive rate
Same rate for new and used toy loans
Variety of loan terms
Range from three to ten years (based on age of toy)
Flexible payment options
Make it work for you
Type Model Year APR* (as low as) Term New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2024-2014 7.49% Up to 3 Years New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2024-2013 7.79% Up to 4 Years New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2024-2023 7.99% Up to 5 Years New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2024-2014 8.19% Up to 7 Years New & Used Recreational Vehicles*** (Motorcycles, boats & RVs) 2024-2013 8.49% Up to 10 years**** Older Recreational Vehicles*** (Motorcycles, boats & RVs) 2013 & older 7.99% Up to 3 Years Older Recreational Vehicles*** (Motorcycles, boats & RVs) 2013 & older 7.99% Up to 4 Years New Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.) 2024-2023 8.19% Up to 4 Years Used Untitled Vehicles*** (Four wheeler, snowmobile, personal watercraft etc.) 2022 & older 8.49% Up to 4 Years
*APR is annual percentage rate. Auto pay from an active Heartland Checking account is required to receive the lowest quoted rate on auto, recreational, signature, home equity closed end, and home improvement loans. Add .50% without auto pay. These rates are in effect as of 12/1/2023 and are subject to change.
***Rates may vary based upon credit history. Other terms are available. Please contact the Heartland loan department for details regarding how your rate and term is determined.
****Term good for loans of $35,000 or more.
Toy Loans are used to purchase Boats, Motorcycles, Jetskis, Snowmobiles, ATVs, RVs and Motorhomes.
You could be approved the same day if you meet our credit criteria and funds would be available the same day. If your application needs to be reviewed further by an underwriter, you should receive a decision within the same day or following day. If you’ve applied and you do not meet our criteria, you will be notified of a decision on your application within two business days.
We can deposit the funds to your Heartland account, provide an official check or wire funds.
It is beneficial to get pre-approved before you go shopping. If an application requires certain stipulations such as a limited loan-to-value or a maximum loan amount, it is better to know that information prior to shopping. Plus, you’ll have an estimate of your loan payment for budgeting and when you find the vehicle you want you can purchase it faster.
Typically pre-approvals last up to 90 days
You can pay off your loan at anytime without any fees.
Yes. If you set up your payments to automatically come from your Heartland Checking account you’ll receive a .50% discount on your loan rate.
Finance your fun
For the kid in all of us, Heartland Credit Union makes financing your new “toy” (aka recreational vehicle) easy.
The loan officers are always easy to talk to and understand what I’m looking for. I’ve always had a great experience dealing with anyone at Heartland.
Apply from your phone or tablet
Apply securely in minutes from your phone or tablet with online loan applications.