Recreational Loans

  • Overview

    Recreational

    Explore everything that our great state has to offer, or just get down to Anchorage for a weekend with a new or used Recreational Vehicle or camper. And if you are ready for some serious fishing, hunting or fun on the water, it’s time for a boat and trailer. Create memories and experiences with a loan from Spirit of Alaska Federal Credit Union.

    You can start your loan and close at a dealership if you prefer one-stop shopping!

    Apply now for pre-approval from your computer, mobile phone, tablet, or in person with one of our friendly loan officers. More questions? Contact Consumer Loans at 907-459-5970.

    A loan to finance the purchase of a boat package, travel trailer, camper or RV.

    • As low as a fixed 8.49% APR* on approved credit
    • Apply and close on your loan from a dealership
    • Easy to apply online, from your phone or tablet or in branch for same day approvals
    • Up to 180-month terms with flexible financing options
    • Personal service and friendly loan officers

    " I just got off the phone with C.A. I pre-approved him for a enclosed trailer loan. He commented that everyone at the credit union has just been wonderful to work with."

    - Consumer Loans Officer

    Disclosures

    *Lowest interest rate available, including promotional discount, is 8.49%.  Annual Percentage Rate, on approved credit. Loan fees vary and will be disclosed at the time of the loan verbally and in the contract. See the Rates tab on this page for complete rate and fee details.

  • Rates
    Type of Loan Term* APR**

    Motorhomes, Travel Trailers Pickup Campers, Combo Boats and Trailer Packages

    		Up to 180 months. Fixed Rate As Low As 7.49%

    Refer to our Pricing Guide (PDF) for transaction and activity fees, as well as credit union membership fees. A loan processing fee of $35 will be charged per signer. Other loan fees and terms may vary, and will be disclosed at the time of the loan verbally and in the loan disclosures.

    *Terms are based on credit qualifications, value of collateral, and amount to finance

    **APR = Annual Percentage Rate. Current as of 9 May 2025. Up to 100% financing available, some restrictions may apply. Interest rates and terms dependent on credit qualifications. Interest rates on new loans for Motorhomes, Travel Trailers, Pickup Camper Combos, Boats and Trailer packages are subject to change at any time. Loans under $2000 may have substantially higher APR. Optional Spirit of Alaska Protection and GAP Coverage available.

    Contact the Loan Department at (907) 459-5970 for more detail.

    Federal law requires us to verify all identities when opening new accounts. If you are applying with a joint applicant, their consent is implied when the application is submitted with the on-line loan application.

  • Calculator

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    This calculator is not supported for Internet Explorer. Please use an alternate browser, such as Edge, Firefox or Chrome. Alternatively, try this simple Auto Loan Affordability Calculator.

     

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    Auto Loan Payoff Calculator

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  • FAQ

    Frequently Asked Questions

  • Apply Now

e-Teller Login

Alert:

Scammers are increasingly targeting financial accounts by posing as credit union or bank employees. Never share your one-time passcodes, authentication codes, debit/credit card numbers, or online banking passwords. Spirit of Alaska will never request these details over the phone, via email, or through text. If you receive a suspicious call, even if it appears to be from our official number, hang up and contact us directly at 907-459-5900 to verify.

Search

I need help with Recreational Loans

We’d love to help! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

I have a question

We’d love to answer your questions! Just give us your name, phone number, and email address and we’ll contact you as soon as possible!

    For your security, do not include sensitive information, such as Social Security numbers or account numbers, in your message. If you need to communicate with us about sensitive information please use the Message Center in e-Teller, your online banking application, or call us during regular business hours so we can verify your identity. For other inquiries, send us a message here and we're happy to help!

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Letter from our Consumer Loans Department

A Message From Spirit of Alaska Federal Credit Union Consumer Loans Department About The COVID-19 Outbreak

As you know, the spread of COVID-19 has touched just about every aspect of our daily lives — from our families and schools to our places of work and worship.

We understand the uncertainty during this unprecedented time and want to let you know about some of the proactive measures our consumer loans department has in place to continue to support and serve our customers.

Payment concerns:

If you anticipate that it will be difficult or impossible for you to make your payment, there are options available.

If you become ill, are quarantined, your employment status changes or another hardship arises as a result of the COVID-19 outbreak, you may be eligible for short-term relief.

Please email us or call (907) 459-5970. We will work with our borrowers on a case-by-case basis to assist in any way possible.

If you have questions:

If you have any questions, please don’t hesitate to reach out to our team. Please stay safe and healthy during this unprecedented time.

Email: cloans@spiritofak.com
Phone: (907) 459-5970