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Motorcycle and
Recreational Loans

Just because you're an adult doesn't mean you can't have some fun.

Head out on the highway with our low rates on new or used Motorcycle Loans! Or, get out on the water, the trails, or the open road with our new or used Boat, RV, Snowmobile, and Camper Loans!

  • We finance new or used motorcycles, snowmobiles, and campers up to 5 model years' old with flexible terms up to 60 months
  • We finance new or used boats and RVs up to 7 model years' old with flexible terms up to 84 months 
  • Up to 90% financing
  • Competitive low rates
  • No application fees
  • No prepayment penalties

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Motorcycle, Snowmobile & Camper Loans
Type & Term  APR*
New (up to 60 months) As low as 5.39%
Used (up to 60 months) As low as 7.09%

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*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Payment Example: A loan of $20,000 at 5.39% APR for 60 months is a monthly payment of $381.01 and total interest of $2,860.52. Late payment fees and processing fees may apply. 

New Boat & RV Loans
Term  APR*
Up to 29 months As low as 2.99%
30 - 41 months As low as 3.49%
42 - 53 months As low as 3.79%
54 - 65 months As low as 3.99%
66 - 72 months As low as 4.99%
73 -84 months As low as 5.99%
Used Boat & RV Loans (7 model years and newer)
Term  APR*
Up to 62 months As low as 3.99%
63 - 66 months As low as 4.49%
67 - 72 months As low as 4.99%
73 - 84 months As low as 5.99%
Used Boat & RV Loans (8 model years and older)
Term  APR*
Up to 66 months As low as 5.49%

Apply Now   Learn More

*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Your rate will be determined at the time of your application. Payment example: 3.99% APR for 60 months is $18.41/month per $1,000 borrowed. Late payment fees and processing fees may apply. 

No matter where you travel in the United States, the Route 66 Power Sports Extended Warranty protects your motorcycle, scooter, ATV, snowmobile, or jet ski against major mechanical expenses. Pay no deductible on covered parts and labor, and all plans come with 24/7 emergency roadside assistance. 

Why protect?

  • Protection on repairs that prolong the life of your powersport
  • Transferable coverage for resale value
  • Peace of mind knowing your powersport will perform at peak condition

Protect your investment today. 

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Did you know that if your Powersport, Recreational Vehicle, or Watercraft were totaled or stolen, your insurance company might not pay off your entire loan balance?

Guaranteed Asset Protection (GAP) has you covered.

The value of a new vehicle rapidly declines during the first few years and your loan balance may be higher than the value of your vehicle. At a low, one-time cost that can be financed into your vehicle loan, GAP may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan if your vehicle is deemed a total loss.

And, for only a few dollars more, enroll for GAP Plus! GAP Plus helps you get into your next vehicle by providing an additional $1,000 to help you purchase a replacement vehicle if you finance that Powersport, Recreational Vehicle, or Watercraft through First Northern.

Is GAP or GAP Plus coverage for you?

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GAP or GAP Plus can even be added even after your loan is funded, by paying the fee upfront. Protect your investment today.

Contact Us 

Your purchase of MEMBER’S CHOICE Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions and exclusions may apply. You will receive the contract before you are required to pay for GAP and should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.