USAA leisure vehicle loans for boats, RVs and more |

USAA leisure vehicle loans review — Motorcycles, boats, RVs and more

Get funding for your next recreational vehicle — with fixed APRs and flexible terms — from this highly trusted bank.

USAA is a leading financial institution serving military members and their families. Learn more about leisure vehicle loans available to eligible customers.

What is a USAA recreational or leisure vehicle loan?

Looking to take on the open road on a motorbike or in the comforts of an RV? Do you want to race the waters on a new jet ski, snowmobile or ATV?

A loan from USAA could get you the money to buy your next recreational or leisure vehicle with competitive fixed rates and flexible terms from a top-rated bank.

RV loans

Purchase or refinance a fifth-wheel, motorhome, travel trailer, popup camper or slider camper with rates as low as 5.25% with excellent credit and terms from 48 to 240 months, depending on the amount you’re funding.

Get up to 100% financing and refinancing for loans up to $99,999 and up to 80% for those of $100,000 or more.

Motorcycle loans

Finance motorcycles, dirt bikes and scooters with fixed rates of 5.99% to 11.59%, depending on the loan and your credit score. Terms vary from 24 to 72 months.

Put little or no money down for up to 100% financing, with refinancing options available for motorcycles and scooters.

Boat loans

Buy a boat or other personal watercraft with fixed rates of 5.25% to 14.49% and terms from 48 months to 180 months, depending on your loan and creditworthiness.

Get up to 100% financing and refinancing for loans up to $99,999 and up to 80% for those of $100,000 or more.

Leisure vehicle loans

Finance your new personal sport or leisure vehicle — ATV, UTV, snowmobile or jet ski — with fixed APRs of 5.99% to 11.59% and terms from 12 months to 72 months. If you’re looking to finance a used vehicle, you can do so using a personal loan.

Product details

Product nameUSAA leisure vehicle loans
Interest rate5.25%–14.49%
Interest rate typeFixed
Loan securitySecured
Maximum loanVaries by vehicle
Minimum loanVaries by vehicle
Maximum terms12 months–240 months, depending on vehicle
Minimum income requirementVaries by loan
Application fee$0
Available statesAll 50 states and Washington, DC

Compare other lenders offering loans for recreational and lesiure vehicles

Rates last updated April 22nd, 2018

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Name Product Product Description Min. Credit Score Max. Loan Amount APR
Even Financial Personal Loans
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4.99%–35.99% (fixed)
Monevo Personal Loans
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3.09%–35.99% (fixed)
Upgrade Personal Loans*
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5.96%–35.97% (fixed)
Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
5.99%–35.99% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
5.98%–35.89% (fixed)
CompareFirst Personal Loans
An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
2.99%–36% (fixed)
Best Egg Personal Loans
A prime lender with multiple repayment methods.
5.99%–29.99% (fixed)
FreedomPlus Personal Loans
Consolidate debt and more with these low-interest loans. Cosigners welcome.
4.99%–29.99% (fixed)
Laurel Road Personal Loans
Get a personal loan with no application or origination fees and a rate discount for autopay.
5.5%–11.74% (fixed)
LendingPoint Personal Loans
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
15.49%–34.99% (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
34%–155% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
typically around 18.49%* (fixed)

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What are the benefits of a USAA RV, boat, motorcycle or leisure vehicle loan?

If you’re a member of the US military or come from a military family, you could qualify for the many benefits of a USAA recreational or leisure vehicle loan.

  • Personalized terms. Get the amount you need at terms you can afford.
  • No hidden fees. Pay no prepayment, application or other fees over the life of your loan.
  • Competitive APRs. Whether your loan is for an RV, boat or ATV, rates are among the lowest you’ll find with a big-name bank.
  • Autopay discount. You can get a 0.25% discount on your APR if you sign up for autopay with your loan.

What to watch out for

You can apply easily online for with USAA, but there’s one main drawback: USAA loans are available to current and former members of the US military and their families only. If you’re not able to get a USAA membership, you’ll need to look elsewhere for a loan.

What do other customers have to say about USAA?

USAA is not accredited by the Better Business Bureau (BBB) and receives an A+ rating by the organization. However, it has over 1,400 customer complaints and over 250 negative customer reviews. Many of these complaints center around issues with car and home insurance, still some mention problems with auto loans not being paid out in a timely manner and having discrepancies in the loan amounts they applied for versus what they received.

On TrustPilot, the bank receives a rating of 3.9 out of 10, with half of customers rating it “Excellent” and the other half rating it “Bad.” The 20 reviews on the site are a mixed bag, with some praising the company’s customer service and others complaining about unexpected account closures and improper processing of paperwork.

Am I eligible?

To apply for a recreational or leisure vehicle loan with USAA, you must be:

  • At least 18 years old.
  • A US citizen or permanent resident.
  • A USAA member — a member of the military or a military family.
  • In good credit standing.

What do I need to apply?

To apply for a USAA recreational or leisure vehicle loan, you must first become a USAA member. Visit USAA online and click Join USAA to get started.

If you’re already a member, log in to your USAA member account. For the loan application, you’ll need to supply:

  • Your personal information, including your date of birth and Social Security number.
  • Details about you or your family member’s military service.
  • Your financial information for autopay.

USAA leisure vehicle 1

USAA leisure vehicle 2

Once you’ve submitted your info, a specialist considers your loan request against your creditworthiness. You’re typically notified of the loan decision within one to two business days.

I got a USAA loan. Now what?

Now that you have your loan and can finance your next leisure vehicle, be sure to keep up with payments. Here are a few pieces of advice:

  • Make timely payments. Avoid any late payments by setting up autopay from a USAA checking account.
  • Pay more than the minimum. To avoid accruing excessive interest over the life of your loan, consider paying more than the minimum amount required each month.

Bottom line

A USAA RV, boat, motorcycle, or leisure vehicle loan could get you funding to get on the road for cross-country adventures to enhance your time away with family and friends — all with competitive rates and flexible terms from a trusted bank.

But you must be eligible for USAA membership, which is open to members of the military or those who are part of a military family only. If you aren’t affiliated with the military, compare other loan options to find a better match for you.

Common questions about USAA

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