RV & BOAT LOANS RESOURCES

Get RV and Boat Loan Facts in Minutes

Adventure is calling. Now may be a good time for a great loan with affordable monthly payments. Check out our FAQs to learn more about our RV and Boat loans.

Apply for an RV Loan     Apply for a Boat Loan

Ready to own your dreams?


Call Us:1-866-377-3948
TTY 1-800-659-5495 


Make payment via online banking or ACI Payments, Inc.


Payment Assistance >

Basic FAQs

What factors are considered when my application is reviewed?

Your ability to repay, credit history, collateral and other factors are considered when we review your application.


Who can apply?

  • Must be 18 years of age or older.
  • For RV loans, applicants must reside in one of the 50 states (excluding Washington DC).
  • For Marine loans, applicants must reside in one of the 50 states or Puerto Rico (excluding Washington DC).

How do I apply?

Submit a loan application by applying online, or calling 1-866-377-3948, TTY 1-800-659-5495.


What information will I need to apply?

Please have your personal information, annual income and any applicable collateral information available to apply.

RV Loans FAQs

Do you work with dealers/brokers?

Yes, we work with dealers/brokers in all 50 states (excluding Washington DC).


Do you offer pre-approvals?

No. We do not offer a pre-approval, because our loan decisions consider not just the applicant(s) but the collateral as well. You may apply using the vessel you are currently interested in and should you find a different boat, the collateral can be changed. The updated collateral must remain within approval guidelines. Please note that rates and terms may change based on your final loan amount.


How long will it take to receive a credit decision?

A credit review on an application is generally completed within 1-2 business days.


Does Bank of the West charge closings costs or other fees?

Yes, Bank of the West charges a Processing Fee.


Are there other fees that may apply?

Official fees such as state title, state registration, Florida document stamp fee and/or UCC filing fees may apply. Call 1-866-377-3948, TTY 1-800-659-5495 for further information.


Can I finance any taxes, title, registration and/or loan processing fees?

Yes, taxes, title, registration and/or loan processing fees may be included in your loan amount subject to the loan amount meeting our LTV (loan-to-value) guidelines. You may also choose to pay for them out of pocket; in which case, payment must be received prior to funding your loan.


If I am approved, how long will it take to fund my loan?

You can expect your loan to fund approximately 10-14 business days after loan approval and receipt of all requested documents.


Is there a pre-payment penalty on loans?

Customer may pay without penalty all or a portion of the amount owed earlier than it is due.


If I own my RV, can I borrow against it?

No, Bank of the West does not currently offer a cash out loan program.


If I bought my RV with cash and now would like to obtain a loan, can you help me?

Yes, our Cash Recapture Program allows you to get a loan within 60 days of your original Purchase date. All terms and conditions must meet purchase program guidelines. An Original Purchase Agreement or Bill of Sale must be provided.


Who will be handling the titling and registration of my RV?

In most cases, our internal Lien Department handles the titling and registration of your RV. In some states, it is necessary for us to use an independent 3rd party vendor to complete the titling and registration.

Boat Loans FAQs

Do you work with dealers/brokers?

Yes, we work with dealers/brokers in all 50 states and Puerto Rico (excluding Washington DC).


Do you offer pre-approvals?

No. We do not offer a pre-approval, because our loan decisions consider not just the applicant(s) but the collateral as well. You may apply using the vessel you are currently interested in and should you find a different boat, the collateral can be changed. The updated collateral must remain within approval guidelines. Please note that rates and terms may change based on your final loan amount.


How long will it take to receive a credit decision?

A credit review on an application is generally completed within 1-2 business days.


Does Bank of the West charge closings costs or other fees?

Yes, Bank of the West charges a Processing Fee.


Are there other fees that may apply?

Official fees such as state title, state registration, Florida document stamp fee and/or UCC filing fees may apply. Call 1-866-377-3948, TTY 1-800-659-5495 for further information.


Can I finance any taxes, title, registration and/or loan processing fees?

Yes, taxes, title, registration and/or loan processing fees may be included in your loan amount subject to the loan amount meeting our LTV (loan-to-value) guidelines. You may also choose to pay for them out of pocket; in which case, payment must be received prior to funding your loan.


Do you allow US Coast Guard documentation?

Yes, we do allow US Coast Guard documentation. For US Coast Guard documented vessels, borrower must be a US Citizen.


If I am approved, how long will it take to fund my loan?

You can expect your loan to fund approximately 10-14 business days after loan approval and receipt of all requested documents.


Is there a pre-payment penalty on loans?

Customer may pay without penalty all or a portion of the amount owed earlier than it is due.


If I own my boat, can I borrow against it?

No, Bank of the West does not currently offer a cash out loan program.


If I paid cash for my boat and now would like to obtain a loan, can you help me?

Yes, our Cash Recapture Program allows you to get a loan within 60 days of your original Purchase date. All terms and conditions must meet purchase program guidelines. An Original Purchase Agreement or Bill of Sale must be provided.

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Legal information and Disclosures

Subject to credit approval. Certain restrictions apply.