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Recreational Loans

U.P. State Credit Union has excellent rates, terms and no application fees to finance that side-by-side, snowmobile, trailers, campers, or watercraft! By using the calculator, you can figure your estimated payments before you make the trip to the dealer. We encourage you to talk to a UPSCU Loan Officer and get pre-approval today. In the Upper Peninsula, we have indirect lending with several dealers where they finance directly with us.

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Credit Score24 Months36 Months48 Months60 Months72 Months
(A+A) 700+ Terms3.25%3.75%4.25%4.75%5.25%
(B) 640-699 Terms4.75%5.25%5.75%6.25%6.75%
(C) 600-639 Terms8.75%9.25%9.75%10.25%
(D) 550-599 Terms11.75%12.25%12.75%14.00%
(E) 549 & Below13.75%14.25%14.75%15.25%
All Rates are APR. APR is Annual Percentage Rate. Application and other fees may apply. Subject to approval.
Programs, rates, terms and conditions are subject to change without notice.