Toys & Trailers

The Great Outdoors

Getting outside is more affordable than you think. We have financing options for the heavy haulers and outdoor toys you've always wanted!

Looking to add some extra fun into your life?

After spending hours researching your next recreation vehicle, we want to make sure financing one is quick and easy. You will save time and money whether you’re buying new or refinancing a boat, RV, trailer, ATV, or snowmobile loan with our simple application and timely decisions, so you can focus on the more important things in your life.

2024 – 2016

Rates as low as 5.49% APR up to 36 months
Rates as low as 6.29% APR up to 60 months
Rates as low as 6.74% ARP up to 120 months for boat loans $25,000 and higher
Terms from 36 – 72 months for toy loans
Quick and easy application process

2015 & older

Rates as low as 6.09% APR up to 36 months
Rates as low as 6.89% APR up to 60 months

Looking to buy a boat? Check out Boat World! Email Steve at sales@boatworldmarine.com or call 763-434-9655

1. Apply Online & Get Pre-Approved

2. Shop for Your Toy

3. Drive Away With Some Extra Fun

Recreational Loan Rates

Recreational Vehicles 2023-2016
Term	Rate	APR*
36	5.49%	5.49$
48	5.79%	5.79%
60	6.29%	6.29%
72 (Over $25,000)	6.39%	6.39%
73-120 (Over $25,000)	6.74%	6.74%
180 (Over $40,000)	7.74%	7.74%

Recreational Vehicles 2015 & Older
Term	Rate	APR*
36	6.09%	6.09%
48	6.29%	6.29%
60	6.89%	6.89%
72	7.14%	7.14%

¹APR = Annual Percentage Rate. Rates and terms based on approved credit, FICO Score and loan type. Automatic payment enrollment applicable from any Carpenters or other financial institution checking account.
²For example, 72 monthly payments of $16.01 per $1,000 borrowed.
³All new and refinanced vehicles from 2015 and newer. Current Carpenters auto loans are not eligible for this rate.
⁴Boat Loans that are $25,000 or more must be 2015 or newer to qualify for terms up to 120 months.