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Tax forms are ready! Tax forms started mailing on January 14, and are available within Free Online Banking and the mobile app.

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All MIDFLORIDA branches and Help Desk will be closed on February 16 in observance of Presidents' Day.

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RV & boat loans

Fun by Land or sea

Who says your days should be all work and no play? Whether you prefer land or sea, MIDFLORIDA has the financing for your favorite outdoor activities. Get pre-approved today!
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At A Glance

Calling the Wild and Adventurous

There's so much to see and do in Florida and beyond. We can help you experience nature while enjoying some rest and relaxation.
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Lower Rates

Enjoy significant savings over the life of your boat or RV loan with our competitive low rates.
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Flexible Terms

Stretch your payments over time with the flexibility of loan terms up to 96 months.1
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Financing

We offer up to 75% financing for both RV and boat loans (boat purchases require 25% cash or trade equity).
Features & Benefits

Loan Benefits Designed for You

Explore the features that make our loans a smart choice for managing your finances with confidence.
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Ready to Buy? Ask the Experts.

You want a dependable ride, and you can depend on us to help you get it. Our loan experts are here to make the loan process easier. Call our loan department at (863) 284-5626 or toll free (855) 560-5626.

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Refinance

Refinance for Better Terms

Ready to lower your monthly payments or get a better interest rate on your current loan? Refinance your boat or RV loan with us and enjoy flexible competitive rates and more savings.
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Find Out What You Can Afford

Estimate your borrowing potential and explore how much you can afford.
other Products & ServiCES

Explore More Banking Options

Find the right loan for life's next adventure.
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Auto Loans

New or new to you—get the financing you need to buy your new car with our quick and easy online loan application.
Auto Loans
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Motorcycle Loans

Hit the open road with a MIDFLORIDA motorcycle loan. You'll find great rates and flexible terms that fit any budget.
Motorcycle Loans
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Personal Line of Credit

A line of credit is a convenient solution for having quick and easy access to funds whenever you need them.
Personal Line of Credit

RV And Boat Loan FAQs

Approval on a boat or RV loan can happen quickly, sometimes the same day, if you have all the necessary documentation, such as proof of income, credit information, proof of insurance and identification.

Yes, pre-approvals can help speed up the process by giving you a clear idea of your budget before you start shopping.

Yes, when you submit a loan application, we will perform a "hard inquiry" on your credit. 

Once your loan is paid in full, MIDFLORIDA will electronically release the title for your vehicle within fourteen business days. To retrieve a physical title, you'll need to visit your local Tax Collector's Office or Department of Motor Vehicles (DMV). Please note that each state may require different documentation for title transfers or lien placements, so be sure to check with your local agency. Please reach out at (863) 284-5626 or toll-free at (855) 560-5626 if you have any questions regarding the release of your title.

We offer a user-friendly "Loan Payoff Request". By entering the loan account number and last four digits of the loan owner's Social Security number, you’ll receive a real-time payoff quote that includes any accrued interest and is valid for 10 days. After the 10 day period, your payoff amount will change due to accrued interest of the additional day.

You can submit your insurance policy using any of the following methods: 

  • Secure Message through Online Banking
  • Have your insurance agent call our Insurance Service Center at (800) 653-8812
  • Mail a copy of your policy to: MIDFLORIDA Credit Union Insurance Department, PO BOX 8008, Lakeland, FL 33802
  • Drop off a copy of your insurance policy at any branch
  • Submit online through our website

For Florida, information can be retrieved via the FLHSMV Motor Vehicle Check Search. If your vehicle is registered in another state, you will need to contact your state's DMV for more information.

Because requirements vary by state, you will need to visit your local motor vehicle agency to obtain the necessary title transfer documentation. Once you've completed the title transfer request, email it to [email protected] for processing. 

MIDFLORIDA Credit Union, PO BOX 8008, Lakeland, FL 33802
1. RV & Boat Loan payment example: A 60-month fixed rate loan for $20,000 and an Annual Percentage Rate (APR) of 8.753% would have a monthly payment of $410.20, which includes principal and interest.

 

2. Membership and eligibility requirements apply.

Still Have Questions?

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