Rates
Don’t let high rates ruin your fun. If you’re looking to purchase an RV, boat, ATV or other personal toy you’ll love Denali’s low rates and extra discounts for automatic payments available to all members. Not a Denali member? Apply right now.
Recreational Vehicle Rates
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- Alaska
- California
- Washington
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2017-18 models: up to 100% financing of MSRP, Credit Union GAP Plus and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 6.25% to 16.00% |
| Used RVs 2009-17 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 7.00% to 16.75% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 5.00% to 14.75% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 5.75% to 15.50% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 6.25% to 16.00% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 7.00% to 16.75% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 6.25% to 16.00% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 7.00% to 16.75% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 5.00% to 14.75% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 5.75% to 15.50% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 6.25% to 16.00% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 7.00% to 16.75% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 6.25% to 16.00% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 7.00% to 16.75% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 6.25% to 16.00% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 7.00% to 16.75% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 6.25% to 16.00% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 7.00% to 16.75% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2017-18 models: up to 100% financing of MSRP, Credit Union GAP Plus and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 6.25% to 16.00% |
| Used RVs 2009-17 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 7.00% to 16.75% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New RVs 2020-21 models: up to 100% financing of MSRP, Credit Union GAP and extended warranty. Excludes tax and license. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $24.47 (60 months) | 5.00% to 14.75% |
| Used RVs 2012-20 models: up to 100% of NADA Average Used Retail and extended warranty. Excludes tax and license. Max mileage is 50,000. | Up to 180 months (based on amount financed) | Per $1,000 borrowed: $19.86 - $24.88 (60 months) | 5.75% to 15.50% |
Includes RVs, travel trailers, motor coaches and fifth wheels. Loan rates listed reflect a .25% discount for Automatic Payment transfer from a Denali checking or savings account. All loans are made subject to credit approval and membership. Your actual rate will be based on your credit worthiness. Above rates and terms represent a guidance for maximum loan amounts allowable, but do not guarantee that an applicant will qualify for those maximums. Interest rates and fees are subject to change without notice.
Boat/Personal Toy Rates
Change Location
- Alaska
- California
- Washington
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2017-18 models: up to 100% of MSRP, plus Credit Union GAP Plus. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 5.49% to 17.49% |
| Used Toys and Boats 2012-17 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP Plus. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 6.49% to 18.00% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP.Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 3.59% to 13.09% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 4.59% to 14.09% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP.Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 4.24% to 13.74% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 5.24% to 14.74% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP.Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 4.24% to 13.74% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 4.24% to 14.74% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP.Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 3.59% to 13.09% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 4.59% to 14.09% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP.Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 4.24% to 13.74% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 5.24% to 14.74% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP.Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 4.24% to 13.74% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 5.24% to 14.74% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP.Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 4.24% to 13.74% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 5.24% to 14.74% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP.Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 4.24% to 13.74% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 5.24% to 14.74% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2017-18 models: up to 100% of MSRP, plus Credit Union GAP Plus. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 5.49% to 17.49% |
| Used Toys and Boats 2012-17 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP Plus. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 6.49% to 18.00% |
| Product | Maximum Term | Payment Factor | Annual Percentage Rate (APR) |
| New Toys and Boats 2020-21 models: up to 100% of MSRP, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.14 - $25.29 (60 months) | 3.99% to 13.49% |
| Used Toys and Boats 2015-20 models: up to 100% of NADA Average Used Retail, plus Credit Union GAP. Excludes tax and license. | Up to 120 months (based on amount financed) | Per $1,000 borrowed: $19.62 - $25.57 (60 months) | 4.99% to 14.49% |
Loan rates listed reflect a transfer from a Denali checking or savings account. Maximum loan amount on ATVs is $15,000 with a 5-year repay. All loans are subject to credit approval and membership. Your actual rate will be based on your credit worthiness. Above rates and terms represent a guidance for maximum loan amounts allowable, but do not guarantee that an applicant will qualify for those maximums. Interest rates and fees are subject to change without notice.