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We’ll be out of the office and into the community!
All locations will be closed on Monday, October 13, 2025, in honor of our 10th annual Be The Difference Day
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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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AutoPay? More like AutoSave! 

Lower your loan rate by 0.75% with AutoPay*

You can qualify for a 0.75% rate reduction when you enroll in AutoPay from a new or existing Independent Bank checking account for your auto loan payment. Increase payment convenience and drive up your savings—it's a win-win!

Boat & RV Loan Customer

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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Autopay Discounts*

Receive a 0.75% loan rate discount when you set your loan to autopay from a new or existing Independent Bank checking account.
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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! 
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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. 

* To qualify for the 0.75% rate discount, AutoPay must be set up from a new or existing Independent Bank checking account. Eligible loan types include auto, RV, marine, and powersports. The maximum loan amount for this offer is $150,000; larger loan amounts may qualify for a 0.25% AutoPay discount. Private Banking clients are eligible for a maximum AutoPay discount of 0.75% (no additional discounts). Offer valid for applications submitted through December 31, 2025. Standard checking account and loan eligibility requirements apply. Subject to credit approval. Offer subject to change.

**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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