RV, Boat, Motorcycle, and ATV Loans

Answer the call of the open road. Or trail. Or lake. Or...

Feeling outdoorsy? Whatever adventure means to you, Embold has the loan options to make it happen. Our super smart loan specialists will work with you to make sure your perfect ride is within reach. Get going—adventure looks good on you.

Apply today

Get out there with confidence.

From start to finish, we want your adventure-seeking experience to be smooth sailing. Here’s some extra features you might want to check out.

Embold Loans at Your Local Dealership

You can apply for an Embold RV, ATV, motorcycle, or boat loan directly at select dealerships since we’ve teamed up with Credit Union Direct Lending (CUDL). Visit our Embold CUDL website, AutoSMART, to find a dealership, browse inventory, research options, and more.

Mechanical Repair Coverage

Mechanical Repair Coverage (MRC) provides protection even after your manufacturer’s warranty expires, minimizing the cost of unexpected repairs.

Add-on miles coverage for new & used vehicles

Rental coverage

Roadside assistance

Emergency travel reimbursement

Transferable coverage

Call 503.656.0671 for details or contact us.

Guaranteed Asset Protection

Purchase guaranteed asset protection (GAP) to help protect your financial security in case your vehicle is totaled or stolen. GAP reduces the difference between your vehicle’s value and your loan balance, based on the provisions and conditions set forth in the waiver. You can add GAP coverage when you buy your vehicle.

Call 503.656.0671 for details or contact us.

Discounts on Insurance

Banking Boldly has its rewards. As an Embold member, you can put more cash in your wallet each month with discounts on insurance. Our buds at TruStage® Insurance⁴ can help you get a great policy and save you money.

Apply now

Current rates

Auto Loan Rates (All)
Product	APR¹ as low as	Member Perks APR^1,2
Rates effective as of January 22, 2026. Apply now! Apply today
Product New Autos (2024-2026)	APR¹ as low as 6.00%	Member Perks APR^1,2 5.75%
Product Used Autos (2015-2023)	APR¹ as low as 6.25%	Member Perks APR^1,2 6.00%
Product RVs	APR¹ as low as 8.49%	Member Perks APR^1,2 8.24%
Product Boats	APR¹ as low as 8.49%	Member Perks APR^1,2 8.24%
Product Motorcycles	APR¹ as low as 8.99%	Member Perks APR^1,2 8.74%
Product ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.)	APR¹ as low as 9.06%	Member Perks APR^1,2 8.81%

Let's run the numbers.

We're here to help.

Skip a Payment

Hey, we get it. Life happens. Most Embold loans allow you to request a skip payment for a low fee. Skip this month’s payment with no impact on your credit score, and use the money you save to get back on track.

Skip a payment

Change Your Due Date

Sometimes arranging your month differently can help you maximize your paycheck-to-payment ratio. If you want to move the due date for your loan, use our handy form and email us, drop it off at any branch, or send it via snail mail.

Change my due date

Payment Protection

Sometimes things get a little too real. When the unexpected happens, Payment Protection can protect your loan against life’s most unforeseen events. Increase your monthly loan payment a smidge to increase your peace of mind a lot.

Make an appointment

Proof of Insurance Required

One of the terms of your loan agreement is a requirement to provide proof of insurance protecting our interest in your vehicle. If requested, gather your insurance information and the letter that we mailed to you, and submit your info here.

Submit insurance info

Know what goes great with a new adventure?

Auto Loans

Whether your dream ride is a 4×4 or a two-door, our great rates and fast approvals will get you behind the wheel and on the road.

Let’s get things rolling

Embold Rewards

At Embold, we reward you for just being you. Your unique purchases and spending habits allow you to earn points that can be redeemed as gift cards, cash back, travel, and even donations! Ready to make your spending worthwhile?

Claim your rewards

We're here to help!

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Disclosures

1) APR: Annual Percentage Rate. All Annual Percentage Rates are tiered based upon credit worthiness of the borrowers and other criteria.

2) Member Perks: The Member Perks Program is available to both consumer and business accounts and consists of a 0.25% rate increase on Share Certificates or a 0.25% decrease on fixed rate and term loans. To qualify, you must maintain an active primary share account and have a checking account with at least eight eligible transactions each month. Eligible transactions include direct deposits, withdrawals, deposits, ACH transactions, debit card withdrawals, BillPay payments, and checks (drafts). Internal transfers, fees, and dividends are not included. You must also be enrolled in eStatements or have at least 10 years of membership. Ten-year membership eligibility begins the first day of the month following your 10-year anniversary.

3) For details, see our Truth in Lending document.

4) TruStage® Auto and Home Insurance program is offered by TruStage® Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.