Marine & Recreational Vehicle Loans

Looking to set sail or hit the open road? Start your journey at M&T. Apply for a boat loan or RV loan from M&T Bank.

All loans and lines of credit are subject to credit approval. 

Features of a Marine & Recreational Vehicle Loan from M&T

  • Secured by a new or used boat, RV​​, motorcycle, snowmobile, jet ski or ATV
  • Fast online application and approval process
  • Prompt, professional attention
  • Competitive interest rates
  • Relationship discounts for customers with qualifying M&T Bank consumer checking accounts

​​Terms

  • Boat – up to 240 months
  • RV – up to 240 months
  • Motorcycle – up to 72 months
  • Sno​wmobile, jet ski and ATV – up to 36 months

​​Minimum Loan Amount

$2,000

Rates

  • Boat: 4.49% - 14.49% APR,
  • RV: 4.49% - 15.49% APR,
  • Motorcycle:  7.49% - 13.00% APR,
  • Snowmobile, Jet Ski and ATV:  7.74% - 13.00% APR,

 

Apply Online

Recreational Vehicles include motor homes, truck campers, travel trailers and camping trailers.
​For example, the monthly payment for a $25,000 Boat/RV loan with a 120-month term at a non-discounted APR of 7.99% would be $303.19.  The monthly payment for a $10,000 loan for a Motorcycle, Snowmobile, Jetski, or ATV with a 36 month term and a non-discounted rate of 9.99% would be $322.62.  Your actual rate and payment amount may be different as determined by your collateral, terms, and loan amount.  Additional terms and conditions may apply.  Rates are subject to change.   Offer good in NY, MD, NJ, PA, DE, CT, VA, WV, and DC.
​For example, the monthly payment for a $25,000 Boat/RV loan with a 120-month term at a non-discounted APR of 7.99% would be $303.19.  The monthly payment for a $10,000 loan for a Motorcycle, Snowmobile, Jetski, or ATV with a 36 month term and a non-discounted rate of 9.99% would be $322.62.  Your actual rate and payment amount may be different as determined by your collateral, terms, and loan amount.  Additional terms and conditions may apply.  Rates are subject to change.   Offer good in NY, MD, NJ, PA, DE, CT, VA, WV, and DC.
​For example, the monthly payment for a $25,000 Boat/RV loan with a 120-month term at a non-discounted APR of 7.99% would be $303.19.  The monthly payment for a $10,000 loan for a Motorcycle, Snowmobile, Jetski, or ATV with a 36 month term and a non-discounted rate of 9.99% would be $322.62.  Your actual rate and payment amount may be different as determined by your collateral, terms, and loan amount.  Additional terms and conditions may apply.  Rates are subject to change.   Offer good in NY, MD, NJ, PA, DE, CT, VA, WV, and DC.
​For example, the monthly payment for a $25,000 Boat/RV loan with a 120-month term at a non-discounted APR of 7.99% would be $303.19.  The monthly payment for a $10,000 loan for a Motorcycle, Snowmobile, Jetski, or ATV with a 36 month term and a non-discounted rate of 9.99% would be $322.62.  Your actual rate and payment amount may be different as determined by your collateral, terms, and loan amount.  Additional terms and conditions may apply.  Rates are subject to change.   Offer good in NY, MD, NJ, PA, DE, CT, VA, WV, and DC.
To qualify for the Lowest APRs available 1) you must have or open an M&T MyChoice Premium or Power Checking account at time of application; and 2) automatic payment deductions from any M&T checking account must be established. To open an M&T MyChoice Premium Checking account, a minimum deposit of $25 is required. Your final APR will be based on your credit profile (as reported to M&T Bank by an outside reporting agency) and deposit relationship.
​To qualify for the Lowest Boat APR available, the Loan to Value must be 80% or less and the loan amount must be equal to or greater than $250,000. Current APRs range from 4.49% - 14.49% and are subject to change.
To qualify for the Lowest APRs available 1) you must have or open an M&T MyChoice Premium or Power Checking account at time of application; and 2) automatic payment deductions from any M&T checking account must be established. To open an M&T MyChoice Premium Checking account, a minimum deposit of $25 is required. Your final APR will be based on your credit profile (as reported to M&T Bank by an outside reporting agency) and deposit relationship.
​To qualify for the Lowest RV APR available, the Loan to Value must be 80% or less and the loan amount must be equal to or greater than $250,000. The collateral model year must be 2016 or newer. Current APRs range from 4.49% - 15.49% and are subject to change.
To qualify for the Lowest APRs available 1) you must have or open an M&T MyChoice Premium or Power Checking account at time of application; and 2) automatic payment deductions from any M&T checking account must be established. To open an M&T MyChoice Premium Checking account, a minimum deposit of $25 is required. Your final APR will be based on your credit profile (as reported to M&T Bank by an outside reporting agency) and deposit relationship.
To qualify for the Lowest Motorcycle APR available, the term of the loan must be 60 months or less and the collateral model year must be 2018 or newer. Current APRs range from 7.49% - 13.00% and are subject to change.
To qualify for the Lowest APRs available 1) you must have or open an M&T MyChoice Premium or Power Checking account at time of application; and 2) automatic payment deductions from any M&T checking account must be established. To open an M&T MyChoice Premium Checking account, a minimum deposit of $25 is required. Your final APR will be based on your credit profile (as reported to M&T Bank by an outside reporting agency) and deposit relationship.
To qualify for the Lowest Snowmobile, Jet Ski, and ATV APR available, the term of the loan must be 36 months or less and the collateral model year must be 2018 or newer. Current APRs range from 7.74% - 13.00% and are subject to change.