Get RV and Boat Loan Facts in Minutes

Get RV and Boat Loan Facts in Minutes

Adventure is calling. Now is a good time for a great loan. Learn more about our affordable monthly payments. Annual percentage rates (APRs) will assume that your credit history is excellent and the loan amount is less than 85% of the value of the RV or boat.

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Call Us:1-866-269-2327
TTY 1-800-659-5495 


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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 a US Citizen, Resident Alien or Non Resident Alien who resides in the United States.
  • Must be 18 years of age or older.
  • Must reside in the bank's 19-state retail footprint.
  • Non-US Citizen with a work visa that has no or limited credit can apply through our International Banking Group

How do I apply?

You can apply through our online application, phone banking team
(1-866-269-2327, TTY 1-800-659-5495) or at your local branch.


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 across the U.S.


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..


Do you charge closings costs or other fees?

Yes, a loan fee may apply. Talk to your Branch Banker or call 1-866-269-2327 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?

For a refinance, you can expect your loan to fund in 5-7 business days after loan approval. For a purchase, you can expect your loan to fund in 7-10 business days after loan approval. If a survey is required, you should anticipate 14 business days after loan approval.


Is there a pre-payment penalty on loans?

Lender is entitled to a minimum interest charge of $50.00. Other than the obligation to pay a minimum interest charge, 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 across the U.S.


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..


Do you charge closings costs or other fees?

Yes, a loan fee may apply. Talk to your Branch Banker or call 1-866-269-2327 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?

For a refinance, you can expect your loan to fund in 5-7 business days after loan approval. For a purchase, you can expect your loan to fund in 7-10 business days after loan approval. If a survey is required, you should anticipate 14 business days after loan approval.


Is there a pre-payment penalty on loans?

Lender is entitled to a minimum interest charge of $50.00. Other than the obligation to pay a minimum interest charge, 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.

I’m ready for an RV

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It’s time for a boat

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Legal information and Disclosures

Subject to credit approval. Certain restrictions apply.