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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.

New Collateral:  .50% off rates listed below.

Go to Loan Application

Credit Score24 Months36 Months48 Months60 Months72 Months84 Months
(A+A) 700+ Terms5.50%6.00%6.50%7.00%7.75%8.75%
(B) 640-699 Terms7.50%8.00%8.50%9.00%9.75%10.75%
(C) 600-639 Terms11.00%11.50%12.00%12.50%13.25%14.25%
(D) 550-599 Terms14.00%14.50%15.00%15.50%16.25%17.25%
(E) 549 & Below17.00%17.50%18.00%18.50%19.25%20.25%
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