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Routing Number: 072402652
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Boat, RV, & Powersport Loans Built for Your Next Adventure

You may be able to hit the road or water faster than you imagined, and start your adventure with Independent Bank’s flexible financing options.
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Why Work with Independent Bank for Your Boat or RV Loan?

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Competitive Rates

Our boat and RV loans come with competitive interest rates and quick approvals, so you can hit the road without delay.
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Flexible Terms

With terms up to 144 months, choose the repayment option that align with your financial plans.
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Digital Closing

Close your loan anytime and anywhere with easy signing from your phone or computer.

Versatile Loans for All of Life’s Adventures

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Boats

Fishing boats, Sailboats, Pontoon Boats, Cabin Cruisers, & more!
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RVs

Motorhomes, Travel Trailer, Fifth Wheel Trailers, & Campers
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Power Sports

Motorcycles, ATVs, UTVs, Personal Watercraft, & Snowmobiles
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Even More

Titled/UCC Vehicles, Tractors, Golf Carts, & even Lawnmowers! 
Find your kind of freedom!

With financing as low as 6.49%* / 6.52% APR

You could qualify for a low rate on autos, boats, RVs, bikes, golf carts, ATVs, and more! Wherever your adventures take you this summer, enjoy the freedom to get there in style.

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Set Sail on Your Next Adventure

Explore tools to plan payments and find the best fit for your goals.
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Current Rates**

Boat & RV Loan FAQs

Answers to Common Questions About Boat & RV Loans

Can I borrow for other types of vehicles at Independent Bank?
Yes! At Independent Bank, our financing options extend beyond just cars, RVs, and boats. We offer loans for a variety of vehicles, including motorcycles, ATVs, and more. Whether you’re looking for adventure on two wheels or four, we’re here to help you secure the financing you need to get on the road, trail, or water.
Can I get pre-approved for a loan at Independent Bank?
Yes! At Independent Bank, you can get pre-approved for loans specifically designed for a variety of vehicles, including RVs, boats, motorcycles, and ATVs. This pre-approval process gives you a clear understanding of how much you can borrow and the rates available, allowing you to confidently pursue your next vehicle adventure.
Can I refinance my current loan?

Yes, refinancing may allow you to replace your current loan with a new one, often with a better interest rate or different loan term. This can help lower your monthly payments or reduce the overall cost of the loan.

How do interest rates affect my RV or boat loan at Independent Bank?
Interest rates at Independent Bank significantly impact the total cost of your RV or boat loan. With lower rates, you'll pay less over the life of the loan, leading to more manageable monthly payments. Our competitive rates are designed to maximize your savings, making it easier for you to embark on your adventures in the vehicle you’ve always wanted. 

*Loan Rate: As low as 6.49% with auto pay discount / 6.52% Annual Percentage Rate (APR), based on an example of a $100,000 marine loan with a 180‑month term and a minimum credit score of 700. Maximum term is 180 months; however, the type of collateral may limit the maximum term available (for example, automobiles are not eligible for 180‑month financing). Bank standard maximum term for collateral applies. Eligibility for the promotional rate requires automatic payments from an Independent Bank checking account. Standard account opening guidelines apply to new checking accounts. Offer limited to non–real estate, fully amortized, secured loans and excludes loans for post-secondary education expenses. Refinances of current Independent Bank loans are ineligible. Borrowers must meet standard qualification criteria and have a minimum credit score of 700 to qualify for the promotion. A standard $175 processing fee applies to all loans. The promotion is valid for applications dated between April 15, 2026, and July 31, 2026. Rates, terms, and conditions are subject to change at any time based on market conditions or other business factors. Actual annual percentage rates and payment amount may be different depending on your loan term and the amount financed. For additional information about rates, contact your local office. Member FDIC.

**Standard consumer loan underwriting guidelines apply. Annual Percentage Rate (APR). Rate available for well-qualified borrowers. Your rates may vary depending on your specific credit profile. 

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