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Simple Auto, RV & Boat Financing

Vehicle Loans

We're here to make buying, refinancing, and protecting your ride simple and easy.
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We Combine All the Elements

At 3Rivers, we know your vehicle's value goes beyond the price tag. It helps you and those you love create lasting memories—on the road and beyond. 

Convenience: With competitive rates on all our auto, truck, RV, camper, boat, and motorcycle loans, applying is easy and available 24/7. 

Protection: We give you options for peace of mind with added protection plans. 

Easy Application: You can apply on the web, from your mobile device, or at your nearest branch. 

Vehicle Loan Options

Choose the Loan That Fits Your Life

Whether you need wheels for the daily commute or weekend adventures, we have financing options for every ride.
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Auto & Truck Loans

  • Finance new or used cars, trucks, and motorcycles with flexible terms 
  • Apply online, by phone, or at any of our 24+ branches 
  • Refinance your existing loan to potentially lower your payment 
  • One-time processing fee included in loan amount 
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Boat, Camper & RV Loans

  • Hit the open road (or water) with financing for RVs, Boats, and Campers 
  • Extended terms available based on model year and loan amount 
  • Quick approvals from our local underwriting team 
  • Protection plans available to safeguard your investment 
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2 ATVs on grass by a lake without people

Powersport & Other Loans

  • Finance ATVs, UTVs, snowmobiles, jet skis, and more 
  • All vehicles must have a VIN or serial number to qualify 
  • Rates vary by model year—competitive pricing for all members 
  • Make memories on the water or trail with affordable payments 
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Vehicle Loan Rates

Disclaimer
1APR=Annual Percentage Rate. All rates advertised are based upon borrowers’ qualifications and will depend on a variety of factors, including, but not limited to: the model year of the vehicle, whether the vehicle is new or used, credit history, loan amount, loan term, loan to value ratio of vehicle, etc. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions may apply. Loans are subject to a one-time processing fee.

2Vehicle Loans assume you will borrow $25,000 with $149 loan processing fee; the loan amount will be $25,149. The calculated APR on a 60 months loan with an interest rate of 5.49% would be 5.74%.

3Camper / RV or Boat Loans where model year is from 2020 to 2022, add 1% to the listed rates. Where model year is 2016 to 2019, add 2%. If model year is 2015 or older add 3% to the listed rates. Assume you will borrow $35,000 with $149 loan processing fee; the loan amount will be $35,149. The calculated APR on 72 month loan with an interest rate of 6.99% would be 7.14%.

4Powersport/Other includes all vehicles/collateral that have a serial number and/or VIN, and that do not fall into our other vehicle loan categories. Some examples include: ATVs, UTVs, PWCs, Snowmobiles, Scooters, Non-Street Motorcycles, Trailers, Farm/Lawn Tractors/Mowers, Recreational Use Golf Carts. 73-96 months and 97-144 months for Boat Piers, Dock and Lift only. All units in this category must have a VIN and/or Serial Number to qualify. For model years 2020 to 2022, add 1% to the listed rates, model years 2016 to 2019, add 2%. If model year is 2015 or older add 3% to the listed rates. Assume you will borrow $15,000 with a $149 processing fee; the loan amount will be $15,149. The calculated APR on 60 months loan with an interest rate of 6.99% would be 7.41%.
Vehicle Loans Rate (As Low As) APR1
Auto, Truck & Motorcycle 5.49% 5.74%2
Boat, Camper & RV 6.99% 7.14%3
Powersport & Other 6.99% 7.41%4

Looking to Refinance?

Refinancing your auto loan may be a smart move, given the right circumstances. For example, if interest rates have dropped, your credit score has improved, or you've experienced a financial setback since purchasing your vehicle, a refinance could mean more money each month to use toward other financial goals and priorities.

We may be able to save you money—month to month and in the long run! Our team makes refinancing simple with competitive rates and quick approvals. 

Check out our educational articles to learn more about when an auto loan refinance might be in your best interest. 
Insurance That Works for You

Protect What Matters Most

Life happens fast. Whether you're hitting the road or relaxing at home, make sure you're covered. Explore insurance options tailored to your needs.
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