A couple sits on their boat, looking out at the water, after using PACU for their boat, RV, or motorcycle loan.

Boat, Motorcycle, RV & General-Purpose Vehicle Loans

No matter how you roll, PACU’s adventure-buying experience is the place to begin.

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Adventurers at Heart Inspired by Connections

Get started today with your next vehicle inspiration or ultimate recharge by purchasing a new or used boat, motorcycle or RV. With the option to finance up to 100% of the purchase price for boats, RVs and motorcycles and 80% for general-purpose vehicle loans, you’re on your way to experiencing your next adventure.

A woman smiling as she sails her sail boat, after using PACU for her boat, RV, or motorcycle loan
Attractive strong woman sailing with her sail boat

New and Used Boat Loans

  • Competitive, fixed boat loan interest rates.
  • Terms up to 240 months for loans of $75,000 or more.1
  • For new boats, borrow up to 100% of the MSRP.
  • For used boats, borrow up to 90% of the NADA “Average retail” value.1
  • Minimum loan amount of $10,000.

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A man wearing a helmet and a leather jacket leans against his motorcycle after using PACU for his boat, RV, or motorcycle loan.
Stylish smiling confident man, biker wearing helmet standing near sport motorcycle. Handsome successful fashion model wearing stylish leather jacket, sunglasses posing for pictures on motorbike

New and Used Motorcycle Loans

  • Competitive, fixed motorcycle loan interest rates.
  • Terms up to 84 months for new motorcycle loans.2
  • Terms up to 72 months for used motorcycle loans.2
  • Borrow up to 100% of MSRP (new) or 100% of NADA trade value (used).

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Quartzite, AZ, USA – January 3, 2020: An RV parked along the preserve park

New and Used RV Loans

  • Competitive, fixed RV loan interest rates.
  • Terms up to 240 months for loans of $75,000 or more.3
  • Minimum loan amount of $10,000.
  • If a new RV is what you are looking for, borrow up to 100% of the MSRP.
  • For used recreational vehicles, borrow up to 100% of the NADA “low retail” value.

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General-Purpose Vehicle Loans

Do you need non-traditional collateral, such as an ATV, watercraft, snowmobile, classic car, or even farm equipment and tow behind the trailer? We have a solution for that, too!

  • Terms up to 72 months for loans of $10,000 or more.4
  • Borrow up to 80% of the purchase price.4
  • Fast loan processing and quick closing.
Rates
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Rate Discounts

We love sharing the many opportunities we have to help you save money. Here are two when you finance your next boat, motorcycle, RV or general-purchase vehicle loan with us.

  • Set up automatic loan payments and enjoy a 0.25% APR5 discount, plus the relief that comes with knowing you may never miss a due date.
  • If you’ve been a member for five years or more and meet our Loyalty Rewards Program criteria, you’ll automatically receive a 0.25% APR5 discount at loan closing.
  • When you stack these discounts, that’s 0.50% APR5 off your next auto loan. Simple. Smart. Seriously worth it.
Loyalty Rewards Program Details
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Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the aviation industry, Piedmont Advantage Credit Union (PACU) serves member-owners, who reside, work, worship, attend school or operate a business in one of the six counties it serves in North Carolina or who are employed by one of its many employer companies. These six counties are Davie, Forsyth, Guilford, Iredell, Mecklenburg and Rockingham.

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Disclosures

APR = Annual Percentage Rate. All loans are subject to credit approval and rates are based on credit history, profile and loan terms.

  • 1Estimated monthly payment on a $35,000, 60-month new boat loan at 8.25% APR is $713.87. Estimated monthly payment on a $30,000, 60-month used boat loan with a 10% required down payment at 8.50% APR is $656.53.
  • 2Estimated monthly payment on a $15,000, 84-month new motorcycle loan at 11.00% APR is $256.84. Estimated monthly payment on a $15,000, 72-month used motorcycle loan at 9.25% APR is $272.25.
  • 3Estimated monthly payment on a $75,000, 240-month RV loan at 9.50% APR is $699.10.
  • 4Estimated monthly payment on a $12,000, 72-month general-purpose vehicle loan with a 20% required down payment at 8.75% APR is $171.86.

5APR = Annual Percentage Rate. APR offered can vary based on loan product type, creditworthiness, age and condition of collateral, term of the loan, and participation in automatic payments. All loans are subject to credit approval. Loyalty Reward rate discount, rates, terms and conditions are subject to change without notice. This program may be modified or discontinued at any time at our discretion.

Effective May 1, 2025, Loyalty Reward rate discount of 0.25% APR off of published PACU loan rates for eligible loans is available for PACU members who: 1) have been members for five or more years, 2) have a More Checking or Simple+ Checking account, 3) are enrolled in eStatements, and 4) have had recurring direct deposits totaling at least $250 into their PACU checking or savings account in the previous calendar month. For loans with co-applicants, the primary borrower on the loan application must meet all eligibility requirements for Loyalty Reward discount to apply.

The only loan types eligible for the Loyalty Reward rate discount are auto, general purpose vehicle, aircraft, boat, RV and motorcycle loans. Normal lending criteria apply. To be eligible for the Loyalty Reward rate discount, loan proceeds may not be used to refinance an existing Piedmont Advantage loan secured by the same collateral. Loyalty Reward rate discount can be applied to multiple eligible loans. Loyalty Reward rate discount can be combined with the 0.25% APR rate discount for enrollment in automatic payments for auto loans, but cannot be combined with any other rate discount or promotional offer.