Leaving UPSCU.com

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.

Go to Loan Application

Credit Score24 Months36 Months48 Months60 Months72 Months
(A+A) 700+ Terms4.50%5.00%5.50%6.00%6.75%
(B) 640-699 Terms6.50%7.00%7.50%8.00%8.75%
(C) 600-639 Terms10.00%10.50%11.00%11.50%12.25%
(D) 550-599 Terms13.00%13.50%14.00%14.50%15.25%
(E) 549 & Below16.00%16.50%17.00%17.50%18.25%
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.
Link to Calculator